Unverified listing What this means
The Lender Report built this page from public records. State Bank of Texas has not reviewed it. Every lender's page starts this way, and it says nothing about State Bank of Texas itself. Each figure shows its source and date. Work at State Bank of Texas? You can claim this page for free.
Bank, Irving, TX
State Bank of Texas
A bank based in Irving, TX. Its commercial book is mostly non-owner-occupied CRE. Public files show recent SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $2.09B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 10
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.59B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.sbt.bankFrom the FDIC record, November 9, 2026.
- Address
- 111 W John Carpenter Frwy, Irving, TX 75039FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. State Bank of Texas's C&I balance rose 13.1% to $17.9M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 9.5% to $17.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| 2024 | Reported making 56 small business loans totaling $24M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
| 2023-10 to 2026-09 | Named as the lender on 14 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Feb 2026 | New Jersey | SBA 504, Hotels (except Casino Hotels) and Motels | $8.7M | 25 yr | SBA FOIA | ||
| Feb 2025 | Washington | SBA 504, Hotels (except Casino Hotels) and Motels | $7.1M | 25 yr | SBA FOIA | ||
| Nov 2024 | Ohio | SBA 504, Hotels (except Casino Hotels) and Motels | $6.5M | 25 yr | SBA FOIA | ||
| Feb 2024 | Georgia | SBA 504, Hotels (except Casino Hotels) and Motels | $5.4M | 25 yr | SBA FOIA | ||
| Feb 2024 | Ohio | SBA 504, Hotels (except Casino Hotels) and Motels | $4.6M | 25 yr | SBA FOIA | ||
| Jan 2024 | Connecticut | SBA 504, Hotels (except Casino Hotels) and Motels | $10M | 25 yr | SBA FOIA | ||
| Dec 2023 | Texas | SBA 7(a), Beer, Wine, and Liquor Retailers | $480K | 10.5% | 10 yr | SBA FOIA | |
| 9 SBA 504 first liens since October 2023, net of cancelled | $56.7M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 14 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name State Bank of Texas as the lender, totaling $95.7M.
- 4 of them were recorded in the latest 12 months of that window.
| Property class | Mortgages | Dollars |
|---|---|---|
| Hotel | 12 | $74.7M |
| Office | 1 | $19.0M |
| Other | 1 | $2.20M |
| Borough | Mortgages |
|---|---|
| Queens | 7 |
| Brooklyn | 4 |
| Manhattan | 2 |
| Bronx | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $0 | 0.0% | Not reported |
| Construction and land development | $145M | 6.9% | -14.9% |
| Owner-occupied CRE | $1.82M | 0.1% | -26.0% |
| Non-owner-occupied CRE | $1.92B | 91.9% | -6.4% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $17.9M | 0.9% | +9.5% |
| Commercial total | $2.09B |
Reference only: $3.71M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.90B |
| Q4 2023 | $2.06B |
| Q1 2024 | $2.12B |
| Q2 2024 | $2.19B |
| Q3 2024 | $2.30B |
| Q4 2024 | $2.28B |
| Q1 2025 | $2.27B |
| Q2 2025 | $2.24B |
| Q3 2025 | $2.27B |
| Q4 2025 | $2.25B |
| Q1 2026 | $2.23B |
| Q2 2026 | $2.09B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 1 | $480K | $480K | $480K | SBA FOIA, |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 9 | $56.7M | $6.50M | $10M | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
| Industry | Loans | Dollars |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 6 | $42.5M |
Other lenders in these fields: SBA lenders for hotels and motels.
Programs on record: Federal Home Loan Bank member, Dallas district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- State Bank of Texas reported making 56 small business loans totaling $23,991,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 8 of $100,000 or less, 10 over $100,000 up to $250,000, 38 over $250,000 up to $1 million.
- 31 of them, totaling $15,055,000, went to businesses with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Dallas County, TX | 9 | $2.55M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- State Bank of Texas reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $55,750,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $4,081,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 12 | $561K |
| Over $100,000 up to $250,000 | 8 | $1.30M |
| Over $250,000 up to $1 million | 7 | $2.94M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 3 | $155K |
| Over $100,000 up to $250,000 | 5 | $638K |
| Over $250,000 up to $1 million | 95 | $46.5M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Texas HQ | 5 | 1 | 0 | ||
| Illinois | 2 | 0 | 0 | ||
| Ohio | 0 | 0 | 3 | ||
| Georgia | 0 | 0 | 2 | ||
| California | 0 | 0 | 1 | ||
| Connecticut | 0 | 0 | 1 | ||
| New Jersey | 0 | 0 | 1 | ||
| Washington | 0 | 0 | 1 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- State Bank of Texas has 7 offices in 3 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 7 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Dallas County, TX | 4 | 0 |
| Cook County, IL | 2 | 0 |
| Harris County, TX | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $67.3M | $26.1M to $151M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 460.8% | 29.2% to 389.8% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 32.3% | 6.4% to 105.1% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 97.8% | 49.8% to 101.2% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $55.8M | $34.4M to $434M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 81.0% | 14.4% to 85.0% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Monet Bank | TX | $3.16B | $305M |
| American National Bank & Trust | TX | $2.54B | $1.40B |
| Extraco Banks, National Association | TX | $2.57B | $516M |
| Golden Bank, National Association | TX | $2.28B | $1.74B |
| United Texas Bank, National Association | TX | $1.05B | $480M |
| Inwood National Bank | TX | $4.26B | $2.11B |
| North Dallas Bank & Trust Co. | TX | $1.81B | $958M |
| American First National Bank | TX | $2.89B | $2.33B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. State Bank of Texas, FDIC certificate 27074. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $2.59B in total assets and $2.09B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 10 recorded loans from SBA files, through September 30, 2026: 1 SBA 7(a) in 36 months, 9 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to State Bank of Texas]
- Phone and website. No phone number is on record. Website sbt.bank, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 56 small business loans reported in its CRA filing for 2024. [Source]
- Recorded mortgages, New York City. 14 recorded mortgages in New York City under this name. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 27074
- RSSD
- 1157415
- LEI
- 549300R1VV53RGPW1Q44
- The Lender Report ID
- lr_000709
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Dallas-Fort Worth-Arlington, TX
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $2.6B in total assets as of June 30, 2026 (FDIC call report).
- Held $2.1B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $1.9B of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $144.8M of construction and land loans as of June 30, 2026 (FDIC call report).
- Held $17.9M of commercial and industrial loans as of June 30, 2026, up 9.5% from a year earlier (FDIC call report).
- Recorded 1 SBA 7(a) approval totaling $480K from October 1, 2023 to September 30, 2026 (SBA).
7 more sentences
- Provided the first lien on 9 SBA 504 projects with $56.7M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 7 offices in 2 states (FDIC).
- Reported making 56 small business loans totaling $24M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 27 commercial and industrial loans that were $1 million or less when made, with a balance of $4.8M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 103 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $47.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $55.8M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Named as the lender on 14 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $95.7M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, State Bank of Texas, https://lender.report/lender/state-bank-of-texas-tx/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Work at State Bank of Texas? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem