State Bank of De Kalb

102 S Runnels St
De Kalb, TX 75559

Notable Rates APY Vs.Others
Savings 0.40% 2.20% →
1-Year CD 1.41% 2.20% →
2-Year CD 1.51% 2.20% →
5-Year CD 1.51% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

State Bank of De Kalb is an FDIC insured institution located in De Kalb, TX. It was founded in 1937 and has approximately $0.26 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 15463
Date Established 1937
Assets $0.26 billion
Loans $0.22 billion
Deposits $0.23 billion
Capital $0.03 billion
 

For a more detailed analysis of State Bank of De Kalb's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.65% $751 $10,000 Learn MoreShow Less
Money Market
0.85% $10,001 $50,000 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.75% $500 - Learn MoreShow Less
6 Mo CD
1.11% $500 - Learn MoreShow Less
12 Mo CD
1.41% $500 - Learn MoreShow Less
18 Mo CD
1.41% $500 - Learn MoreShow Less
24 Mo CD
1.51% $500 - Learn MoreShow Less
30 Mo CD
1.51% $500 - Learn MoreShow Less
36 Mo CD
1.51% $500 - Learn MoreShow Less
48 Mo CD
1.51% $500 - Learn MoreShow Less
60 Mo CD
1.51% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.41% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.01% $25 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.30% $750 - Learn MoreShow Less

Loan Rates - February 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for State Bank of De Kalb

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to State Bank of De Kalb
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Branches

State Bank of De Kalb branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


State Bank of De Kalb Locations


Financial Details

State Bank of De Kalb Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of State Bank of De Kalb. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
State Bank of De Kalb U.S. Bank Average
4.59% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, State Bank of De Kalb had $1,440,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $28,058,000 in equity and $3,335,000 in loans loss reserves. That gives it a Texas Ratio of 4.59%.

Return on Equity
State Bank of De Kalb U.S. Bank Average
18.67% 9.72%

State Bank of De Kalb has a Return on Equity of 18.67% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
State Bank of De Kalb U.S. Bank Average
10.79% 12.89%

State Bank of De Kalb has a Capitalization of 10.79% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

State Bank of De Kalb Balance Sheet Analysis

As of September 30, 2019, State Bank of De Kalb had assets of $260,023,000, loans of $218,439,000, and deposits of $225,977,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.22 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.23 billion
LIABILITIES
Total deposits $0.23 billion
      Interest-bearing deposits $0.17 billion
      Deposits held in domestic offices $0.23 billion
      % insured (estimated) 75.65%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.23 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

September 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in State Bank of De Kalb’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, State Bank of De Kalb’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.79
Multifamily
Mortgages
2.22
Credit Card Loans 0.00
Consumer Auto Loans 0.69
Small Business Loans 0.00
Construction and Development Loans 12.76
Commercial Real Estate 22.53
Commercial and Industrial Loans 18.70
Farm Loans 9.52

Frequently Asked Questions About State Bank Of De Kalb

Branches and Savings

Is State Bank Of De Kalb FDIC insured?

Yes. It is covered under FDIC Certificate #15463.

Why does State Bank Of De Kalb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are State Bank Of De Kalb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is State Bank Of De Kalb a commercial bank?

Yes

Where are State Bank Of De Kalb locations?

See branch locations nearby.

Is State Bank Of De Kalb open on Saturdays?

Is State Bank Of De Kalb open on Sundays?

What time does State Bank Of De Kalb open?

What time does State Bank Of De Kalb close?

Are State Bank Of De Kalb ATMs Open 24/7?

Do State Bank Of De Kalb ATMs accept cash deposits?

Can State Bank Of De Kalb customers use other ATMs?

Do State Bank Of De Kalb branches have notaries?

Will State Bank Of De Kalb notarize my document?

What address for State Bank Of De Kalb should I put for incoming ACH transfers?

Will the State Bank Of De Kalb branch print checks?

Do State Bank Of De Kalb checks expire?

Does State Bank Of De Kalb require US citizenship to open account?

Can State Bank Of De Kalb close my account?

Does State Bank Of De Kalb Report to credit bureaus?

Does State Bank Of De Kalb Use Equifax?

What is State Bank Of De Kalb's ACH Routing Number?

What is State Bank Of De Kalb's SWIFT code?

Products

Does State Bank Of De Kalb offer mortgages?

Compare mortgage rates here.

Does State Bank Of De Kalb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does State Bank Of De Kalb offer personal loans?

Compare personal loan rates here.

Does State Bank Of De Kalb offer student loans?

Will State Bank Of De Kalb cash a check?

Will State Bank Of De Kalb redeem a savings bond?

Does State Bank Of De Kalb cash savings bonds?

Will State Bank Of De Kalb cash money orders?

Can State Bank Of De Kalb issue a money order?

Does State Bank Of De Kalb do currency exchange?

Background on The Bank

Who owns State Bank Of De Kalb?

How long has State Bank Of De Kalb been around?

Can State Bank Of De Kalb transfer to other banks?

Does State Bank Of De Kalb have quick pay?

Does State Bank Of De Kalb accept rolled coins?

Will State Bank Of De Kalb accept loose change?

Where is State Bank Of De Kalb headquarters?

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