Bank · FDIC insured
State Bank of Texas
A $2.6B bank headquartered in Irving, TX, with 7 branches in 2 states. Best rates: CDs 4.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no rate at the amounts we compare. Savings: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.25%CD rates →
- Savings—3.76%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About State Bank of Texas
Founded in 1987, State Bank of Texas is a family-owned and operated community bank specializing in lending solutions for the hospitality industry.
Established by Chan Patel to help immigrant entrepreneurs access business loans, it is the largest Indian-American-owned bank in the United States.
- Headquarters
- 111 W John Carpenter Frwy, Irving, TX 75039
- FDIC certificate
- 27074 ↗
Branches
7 branches in 2 states
Loading map…
Texas
5 branches
Irving area · 2
- State Bank of TexasMain office111 W John Carpenter Frwy, Irving, TX 75039Directions
- Irving Branch605 W Airport Fwy, Irving, TX 75062Directions
Garland area · 1
- Garland Branch517 W I 30, Garland, TX 75043Directions
Houston area · 1
- State Bank Of Texas Branch8585 S Gessner Rd, Houston, TX 77074Directions
Richardson area · 1
- Richardson Branch500 W Belt Line Rd, Richardson, TX 75080Directions
Illinois
2 branches
- Devon Branch2615 W Devon Ave, Chicago, IL 60659Directions
- O'Hare International Airport Branch10000 W Ohare Ave, Chicago, IL 60666Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.71% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 2.16% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 4.24% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $98 | $88 | — |
- CapitalLeverage ratio15.71%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent2.16%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets4.24%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$98Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of State Bank of Texas are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.