What are the current interest rates at State Bank of Texas?

Current rates for State Bank of Texas include: 12-Month CD: 4.25%, MMA: 3.76%

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State Bank of Texas Rates & Review October 2026

Q: How many branches does State Bank of Texas operate?

State Bank of Texas currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, State Bank of Texas does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, State Bank of Texas provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

State Bank of Texas's top rates as of October 14, 2026 are 4.25% APY on its 12-Months High-Rate Jumbo 12-Month CD, and 3.76% APY on money market accounts, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of State Bank of Texas with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.15%. Rates last updated and verified on 10/14/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.15%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

State Bank of Texas

111 W John Carpenter Frwy
Irving, TX 75039

https://www.statebnk.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

State Bank of Texas CD Rates

Product	Rate	APY	Term	View More
High-Rate Jumbo 12-Month CD	-	4.25%	12 months
Min Deposit $100,000 Details Limited time offer; minimum deposit $100,000 applies to new money deposits only; fixed rate for the full 12-month term; call for rates and APY on additional minimum balances; interest paid monthly via ACH or added back at maturity Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15% Oct 7, 20264.25%▲ from 4.15% Sep 14, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%

State Bank of Texas Money Market Rates

Product	Rate	APY	View More
High-Rate Jumbo Money Market	-	3.76%
Min Deposit $100,000 Min Balance $100,000 Details Annual Percentage Yield accurate as of posting date (12-29-25) and applies to new money deposits only; $100,000.00 minimum balance required to earn stated rate; monthly service charge of $20 if average daily balance below $25,000; fees and/or withdrawals could reduce earnings Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.15%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

State Bank of Texas’s Texas Ratio rose from 2.36% in Q3 2023 to 12.15% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.6B	12.15%	5.0	A
March 31, 2026	$2.8B	15.86%	4.9	A-
December 31, 2025	$2.8B	18.94%	4.7	B+
September 30, 2025	$2.8B	18.74%	4.7	B+
June 30, 2025	$2.8B	19.59%	4.6	B
March 31, 2025	$2.8B	15.50%	5.0	A-
December 31, 2024	$2.8B	15.60%	5.0	A-
September 30, 2024	$2.8B	15.88%	4.9	A-
June 30, 2024	$2.7B	13.25%	5.0	A
March 31, 2024	$2.7B	11.15%	5.0	A
December 31, 2023	$2.6B	3.84%	5.0	A+
September 30, 2023	$2.4B	2.36%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for State Bank of Texas is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather State Bank of Texas rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with State Bank of Texas's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name State Bank of Texas

Website https://www.statebnk.com

Address 111 W John Carpenter Frwy, Irving, TX 75039 · Dallas

Bank Holding Company SBT BANCSHARES INC

FDIC Certificate # 27074

Regulator FDIC

Established October 19, 1987

FDIC Insurance Date October 19, 1987

Domestic Offices 7

Total Branches 7

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.15%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

4.2407%

Return on Equity (ROE)

27.9300%

Non-Performing Loans Ratio (NPL)

1.75%

Total Assets

$2,585,922,000

Total Deposits

$2,141,255,000

Equity Capital

$424,986,000

Net Income

$57,416,000

Headquarters

Irving

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

State Bank of Texas earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/state-bank-of-texas-cd-rates">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About State Bank of Texas

How many branches does State Bank of Texas operate?

State Bank of Texas currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, State Bank of Texas does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, State Bank of Texas provides members with tools to manage their accounts and build a solid financial history.

Does State Bank of Texas offer online and mobile banking?

Most modern institutions like State Bank of Texas provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.statebnk.com.