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BDI
SB

State Bank of Texas

Irving, TexasFDIC Cert #27074

STATEEstablished 19877 branches

Holding company: SBT BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.85%
+295.9%y/y
Peer standing5th percentile
Peer standing in asset:1b_3b
FDICP3ASSET + LNLSGR
90+ %
0.10%
Peer standing15th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + LNLSGR
Nonaccrual %
1.15%
−53.8%y/y
Peer standing20th percentile
Peer standing in asset:1b_3b
FDICNAASSET + LNLSGR
Noncurrent %
1.24%
−49.8%y/y
Peer standing20th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
2.30%
+9.4%y/y
Peer standing4th percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$63.6M
+8.4%y/y
Peer standing1st percentile
Peer standing in asset:1b_3b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.01%
+54.6%y/y
Peer standing54th percentile
Peer standing in asset:1b_3b
FDICNTLNLS + LNLSGR
NCO
$45K
+55.2%y/y
Peer standing47th percentile
Peer standing in asset:1b_3b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.07%
−3.2%y/y
Percentile by value38th percentileby value
Peer standing in asset:1b_3b
FDICLNATRES + LNLSGR
30–89
$41.2M
+287.0%y/y
Peer standing1st percentile
Peer standing in asset:1b_3b
FDICP3ASSET
90+
$2.19M
Peer standing9th percentile
Peer standing in asset:1b_3b
FDICP9ASSET
Nonaccrual
$25.6M
−54.8%y/y
Peer standing7th percentile
Peer standing in asset:1b_3b
FDICNAASSET