Call reports 2025
STATE BANK OF TEXAS — 2025
What STATE BANK OF TEXAS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,790,233,000 | 2,768,931,000 | 2,813,111,000 | 2,772,872,000 |
| Total loans | 2,282,764,000 | 2,251,422,000 | 2,273,883,000 | 2,259,870,000 |
| Allowance for loan losses | 25,253,000 | 23,978,000 | 23,428,000 | 23,853,000 |
| Securities available for sale | 153,133,000 | 151,587,000 | 154,351,000 | 165,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,334,995,000 | 2,297,005,000 | 2,305,176,000 | 2,237,555,000 |
| Interest-bearing deposits | 2,212,133,000 | 2,179,822,000 | 2,191,301,000 | 2,127,136,000 |
| Noninterest-bearing deposits | 122,862,000 | 117,183,000 | 113,875,000 | 110,419,000 |
| Equity capital | 378,607,000 | 398,341,000 | 431,272,000 | 407,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 59,304,000 | 118,328,000 | 179,072,000 | 237,329,000 |
| Interest expense | 25,581,000 | 50,524,000 | 75,172,000 | 98,237,000 |
| Net interest income | 33,723,000 | 67,804,000 | 103,900,000 | 139,092,000 |
| Noninterest income | 1,619,000 | 3,392,000 | 5,260,000 | 4,150,000 |
| Noninterest expense | 6,847,000 | 14,237,000 | 21,303,000 | 28,773,000 |
| Provision for loan losses | 0 | 1,106,000 | 2,398,000 | 5,094,000 |
| Pretax income | 28,495,000 | 56,439,000 | 86,703,000 | 110,877,000 |
| Income tax | 156,000 | 156,000 | 156,000 | 156,000 |
| Net income | 28,339,000 | 56,283,000 | 86,547,000 | 110,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 384,790,000 | 405,234,000 | 434,298,000 | 408,471,000 |