State Bank of Texas CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 3.70%, 6-month CD rates at 1.50% and 3-month CD rates at 4.11%. Current savings rates are at 0.05% and money market rates are at 1.41%. Mortgage rates today on 30-year fixed loans are around 6.69%. Credit Card rates are at 9.99%. Personal Loan rates are at 12.99%. All these rates, and more, can be found in our database of rates. State Bank of Texas's 12-Month CD rates are at 4.25%. State Bank of Texas's money market rates are at 4.75%.

State Bank of Texas

To see how these rates compare to State Bank of Texas CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from State Bank of Texas, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with State Bank of Texas CD rates. You can also compare State Bank of Texas savings rates, MMA rates and mortgage rates using our other rate lists.

State Bank of Texas money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at State Bank of Texas? Share your experience about State Bank of Texas by leaving a review below, or read customer reviews before you decide to use State Bank of Texas.

State Bank of Texas Texas Ratio

State Bank of Texas's Texas Ratio is at 2.36%, which is considered excellent. The Texas Ratio for State Bank of Texas is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, State Bank of Texas is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.25%
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
4.75%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
State Bank of Texas
111 W John Carpenter Frwy
Irving, TX 75039
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

State Bank of Texas CD Rates and Interest Rates

Bank
Product
APY
Min Dep
State Bank of Texas
State Bank of Texas
High-Rate Jumbo Money Market
4.75%
$100,000
State Bank of Texas
State Bank of Texas
12-Month CD
4.25%
$50,000

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare State Bank of Texas Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Community Bank and Trust - West Georgia
Community Bank and Trust - West Georgia
48-Month CD
4.24%
$500
NASA Federal Credit Union
NASA Federal Credit Union
36-Month CD
4.00%
$1,000
S&T Bank
S&T Bank
12-Month CD
4.00%
$500
A+ Federal Credit Union
A+ Federal Credit Union
18-Month CD
3.97%
$1,000
Canton Co-operative Bank
Canton Co-operative Bank
36-Month CD
3.92%
$1,000
ACMG Federal Credit Union
ACMG Federal Credit Union
18-Month CD
3.85%
$1,000
ABCO Federal Credit Union
ABCO Federal Credit Union
48-Month CD
3.82%
$1,000
Fifth District Savings Bank
Fifth District Savings Bank
12-Month CD
3.75%
$1,000
First Internet Bank of Indiana
First Internet Bank of Indiana
60-Month CD
3.65%
$1,000
The Bank of Protection
The Bank of Protection
18-Month CD
3.64%
$500
SSB of Wanamingo
SSB of Wanamingo
Kasasa Savings
3.55%
$50
Nebraska Bank
Nebraska Bank
60-Month CD
3.50%
$500
1st Street Credit Union
1st Street Credit Union
18-Month CD
3.50%
$1,000
First Federal Bank of Kansas City
First Federal Bank of Kansas City
36-Month CD
3.25%
$1,000
Marion County State Bank
Marion County State Bank
60-Month CD
3.25%
$1,000
Friendship State Bank
36-Month CD
3.05%
$500
Savings Bank of Walpole
Savings Bank of Walpole
18-Month CD
3.00%
$500
Kendall Bank
Kendall Bank
48-Month CD
2.96%
$1,000
First National Bank in Ord
First National Bank in Ord
48-Month CD (Jumbo)
2.88%
$100,000
Farmers State Bank Center, TX
Farmers State Bank Center, TX
36-Month CD
2.78%
$1,000
Bank of Wolcott
Bank of Wolcott
60-Month CD
2.75%
$5,000
Community Bank of Marshall
Community Bank of Marshall
Money Market
2.27%
$250,000
Western Nebraska Bank
Western Nebraska Bank
18-Month CD
2.12%
$250
Fairview State Banking Company
Fairview State Banking Company
24-Month CD
2.12%
$2,500
First Federal Bank of Kansas City
First Federal Bank of Kansas City
18-Month CD
2.02%
$1,000
Tipton Latham Bank
Tipton Latham Bank
30-Month CD
2.00%
$500
State Bank of Graymont
State Bank of Graymont
60-Month CD
1.86%
$1,000
Fairfield Federal S&L of Lancaster
Fairfield Federal S&L of Lancaster
24-Month CD
1.76%
$500
F&M Bank of Hutsonville
F&M Bank of Hutsonville
48-Month CD
1.51%
$500
Bank Northwest
Bank Northwest
3-Month CD
1.51%
$500
Fairfield County Bank
Fairfield County Bank
48-Month CD
1.00%
$2,500
FNB of Groton
FNB of Groton
18-Month CD
0.95%
$1,000
Savings Bank of Danbury
Savings Bank of Danbury
60-Month CD
0.85%
$500
Security State Bank of Marine
Security State Bank of Marine
48-Month CD
0.70%
$300
Napoleon State Bank
Napoleon State Bank
60-Month CD
0.70%
$500
Hancock County SB
Hancock County SB
18-Month CD
0.50%
$500
Itasca Bank & Trust Co.
Itasca Bank & Trust Co.
Personal Money Market
0.45%
$1,000
Freedom Bank of Southern Missouri
Freedom Bank of Southern Missouri
Savings
0.40%
$100
Cincinnatus S&L Co.
Cincinnatus S&L Co.
36-Month CD
0.40%
$500
Lone Star Bank
Lone Star Bank
Savings
0.30%
$200
Citizens Federal S&L Assoc
Citizens Federal S&L Assoc
Checking Classic Plus
0.25%
$100
Petefish, Skiles & Co. Bank
Regular Savings
0.20%
$0
Arundel Federal Savings Bank
Arundel Federal Savings Bank
Money Market
0.10%
$1,000
FirsTier Bank
FirsTier Bank
Business Savings
0.05%
$0
First Nations Bank
First Nations Bank
18-Month CD
0.05%
$1,000
Iron Workers SB
Iron Workers SB
Money Market
0.05%
$10,000
First Commonwealth Bank
First Commonwealth Bank
12-Month CD
0.05%
$500
Haverhill Bank
Haverhill Bank
NOW Checking
0.05%
$10
NCF Savings Bank
NCF Savings Bank
Money Market
0.02%
$0
Evergreen Federal Bank
Evergreen Federal Bank
Personal Savings
0.01%
$1,000
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates February 19, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.125%
5.230%
0.000
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.500%
5.614%
0.000
5.500%
5.654%
0.000
30-Year Fixed
5.560%
5.730%
0.000
5.750%
5.756%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.750%
5.793%
0.000
5.625%
5.797%
0.000
5.750%
5.801%
0.000
5.750%
5.801%
0.000
15-Year Fixed
5.750%
5.806%
0.000
10-Year Fixed (Power Rate)
5.500%
5.814%
0.000
5.500%
5.820%
0.000
5.750%
5.832%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

State Bank of Texas Information

State Bank of Texas
111 W John Carpenter Frwy
Irving, TX 75039
Dallas
Established Date: 10/19/1987
FDIC Certificate #: 27074
Date of FDIC Deposit Insurance: 10/19/1987
Bank Holding Company: SBT BANCSHARES INC
How Many Domestic U.S. Offices? 7
How Many Branches are There? 7
Is State Bank of Texas FDIC Insured? Yes
What is State Bank of Texas's Cert number? 27074
What is the maximum amount for insured deposits? $250,000 per holder, per account

State Bank of Texas Financials

Total Assets:
$2,653,848,000
Total Deposits:
$2,269,945,000
Equity Capital:
$355,601,000
Domestic Deposits:
$2,269,945,000
Net Income:
$31,001,000
Return on Assets:
5.0552%
Quarterly Return on Assets:
4.7500%
Pretax Return on Assets:
4.7719%
Pretax Quarterly Return on Assets:
4.7700%
Return on Equity:
37.3100%
Quarterly Return on Equity:
34.0900%
Leverage Tier 1 (Core Capital) Ratio:
14.8033%
Total Interest Income (YTD):
10.0359%
 
 
Headquarters:
Irving
FDIC Field Office:
Dallas
Regulator:
FDIC
County:
Dallas
# of Offices:
7
Metropolitan Statistical Area (MSA):
Dallas-Fort Worth-Arlington, TX
Consolidated Metropolitan Statistical Area (CMSA):
Dallas-Fort Worth, TX
OTS Region:
West
FDIC Region:
Dallas
Source: FDIC Last Updated 03/31/2024

Top 25 Twelve Month CD Rates as of 2/5/24

Below is a list of the top 25 Twelve Month CD rates as of February 5, 2024. You can search for and compare certificate of deposit rates for any terms by using our deposit rates tables. We have CD rates from thousands of financial institutions to make sure you're getting the best rates available today.

  • Peoples Bank of Seneca
  • 12-Month CD special
  •     Read more...

    Top 50 CD Rates on 12-Month Certificates of Deposit 1/6/24

    The 12-month CD rates listed here are significantly higher than the average 12-month rate of 2.82% in our database of rates as of 1/6/24. Right now the best CD rate on our 12-month list is at 6.00%, two credit unions are currently offering the top rate, City Credit Union Credit Human FCU. The third best rate is also from a credit union, All In Credit Union is offering a 12-month jumbo CD rate of 5.80%.

    The 4th best 12-month rate is from MyeBanc, currently offering a 12-month jumbo CD rate of 5.77% APY. Bayer Heritage FCU has the 5th best rate at 5.76% for a 12-month jumbo CD. The 6th best rate is a three-way tie at 5.75% APY, All In Credit Union, One World Bank and Washita State Bank are all offering a 5.75% APY for a regular 12-month CD. You can view the top 50 rates below, do your own search of our database for the best CD rates on 12-month CDs.

        Read more...

    FDIC List of Troubled Banks and the Texas Ratio

    The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

    The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

    The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

        Read more...

    Explore Other Rate Deals

    mortgageGetting a mortgage from a mortgage broker has become popular over the past 20 years. Borrowers shopping for mortgages find using a mortgage broker very convenient, saving them a lot of time.
    Certificates of deposit (CDs) are a safe and secure investment for many investors. Unfortunately the return investors get in CDs has been dismal for many years. Last month Market Rates Insight (MRI) released a report showing the average 5-year CD rate was lower than the rate of inflation. This means if you invest in long term CDs you’re not even staying ahead the inflation rate. We all learned in economics 101 your investments have to stay ahead the inflation rate. 
    The downtrend for CD rates continues in 2011. CD interest rates have been on a slow painful decline for just over two years. The current national average 12 month rate is 0.671 percent today, down from the previous week’s average 12 month rate of 0.678 percent. Of course you can find 12 month rates higher than the current national average.

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