🏦Bank Scorer

STATE BANK OF DE KALB

DE KALB, TX · Supervised by FDIC

Est. 1937FDIC #15,463RSSD: FDIC-15463
Satisfactory Same

Current rating · Exam: April 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.17%

How this bank compares in TX

Mortgage Denial Rate

Lower denial rate than 45.5% of TX banks

Institution Profile

FDIC BankFind

Address

102 S Runnels St, DE KALB, TX

County

Bowie County

Established

February 19, 1937

Total Assets

$521M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$521M

Total Deposits

$458M

Net Loans

$362M

Net Income

$3M

ROA

2.17%

ROE

18.45%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.55%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$415M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202419977.89%9.55%
202318287.36%5.49%
202234690.46%2.60%
202138879.38%6.96%
202044983.3%6.68%
201929684.46%5.41%
201829181.44%9.62%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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