State Bank of Texas

Irving, TexasFDIC Cert #27074

STATEEstablished 19877 branches

Holding company: SBT BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$1.86M
Investor CRE	$1.99B
Multifamily	$0
Construction	$223M
1–4 family	$3.77M
C&I	$15.8M
Agriculture	$0
Other	$2M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$2.23B

−2.2%y/y

Percentile by value97th percentileby value

FDICLNLSGR

Net loans

$2.21B

−2.2%y/y

Percentile by value97th percentileby value

FDICLNLSNET

Loans YoY

−2.20%

−137.2%y/y

Percentile by value9th percentileby value

FDICLNLSNET

L/D

99.3%

+2.7%y/y

Percentile by value85th percentileby value

FDICLNLSNET + DEP

Loans/assets

79.9%

−1.3%y/y

Percentile by value79th percentileby value

FDICLNLSNET + ASSET

RE loans %

99.20%

+0.1%y/y

Percentile by value91st percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

8,016points

−4.9%y/y

Peer standing1st percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.08%

−24.9%y/y

Percentile by value2nd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

88.97%

−2.8%y/y

Percentile by value100th percentileby value

FDICLNRENROT + LNLSGR

C&I %

0.71%

−11.9%y/y

Percentile by value3rd percentileby value

FDICLNCI + LNLSGR