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 2.50%, 6-month CD rates at 2.25% and 3-month CD rates at 3.29%. Current savings rates are at 0.40% and money market rates are at 0.40%. Mortgage rates today on 30-year fixed loans are around 7.14%. Credit Card rates are at 9.99%. Personal Loan rates are at 10.00%. 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
University First Federal Credit Union
University First Federal Credit Union
12-Month CD
4.50%
$500
Huntington FSB
Huntington FSB
6-Month CD
4.35%
$500
Toyota Financial Savings Bank
Toyota Financial Savings Bank
6-Month CD
4.22%
$1
iGOBanking
iGOBanking
12-Month CD
4.15%
$1,000
The Seymour Bank
The Seymour Bank
60-Month CD
3.80%
$1,000
Harleysville Bank
Harleysville Bank
Cash Rewards Checking
3.75%
$25
JVB Juniata Valley Bank
JVB Juniata Valley Bank
12-Month CD
3.70%
$1,000
First National Bank of Bemidji
First National Bank of Bemidji
18-Month CD
3.67%
$500
Security Federal Bank
Security Federal Bank
Money Market
3.40%
$100,000
PSB Indianola, IA
PSB Indianola, IA
36-Month CD
3.35%
$1,000
Conneaut Savings Bank
Conneaut Savings Bank
18-Month CD
3.29%
$1,000
First Bank of Central Ohio
First Bank of Central Ohio
24-Month CD
3.25%
$500
Roxboro Savings Bank
18-Month CD
3.25%
$500
FNB of Waterloo
FNB of Waterloo
24-Month CD
3.24%
$1,000
Minnesota First
Minnesota First
12-Month CD
3.23%
$500
Schaumburg Bank & Trust Company
Schaumburg Bank & Trust Company
26-Month CD
3.20%
$1,000
TSB Teutopolis State Bank
TSB Teutopolis State Bank
48-Month CD
3.02%
$500
Adrian Bank
Adrian Bank
48-Month CD
2.77%
$1,000
First State Bank Stuart, IA
First State Bank Stuart, IA
3-Month CD
2.75%
$500
United Republic Bank
United Republic Bank
48-Month CD
2.50%
$1,000
Self-Help Credit Union
Self-Help Credit Union
Money Market
2.43%
$500
Chain Bridge Bank
Chain Bridge Bank
12-Month CD
2.28%
$500
Northern Interstate Bank, N. A.
Northern Interstate Bank, N. A.
36-Month CD
2.07%
$1,000
Regional Missouri Bank
Regional Missouri Bank
Kasasa Savings
2.00%
$0
State Bank of Southern Utah
State Bank of Southern Utah
Money Market
1.76%
$500
Sacramento Deposit Bank
Sacramento Deposit Bank
48-Month CD
1.71%
$1,000
The Bank of New Glarus
The Bank of New Glarus
36-Month CD
1.30%
$1,000
Apple Federal Credit Union
Apple Federal Credit Union
-del Commercial Money Market
1.25%
$20,000
Eureka Savings Bank
Eureka Savings Bank
12-Month CD
1.11%
$1,000
William Penn Bank
William Penn Bank
60-Month CD
1.01%
$500
Hyperion Bank
Hyperion Bank
Business Money Market
0.75%
$1,000
Ion Bank
Ion Bank
60-Month CD
0.70%
$500
OSB Odin State Bank
OSB Odin State Bank
Regular Savings
0.60%
$10
BankChampaign
BankChampaign
36-Month CD
0.40%
$500
Madison Valley Bank
Madison Valley Bank
Money Market
0.38%
$1,000
Cecil Bank
Cecil Bank
24-Month CD
0.35%
$500
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
24-Month CD
0.35%
$1,000
Century Bank of Florida
Century Bank of Florida
24-Month CD
0.25%
$500
Thayer County Bank
Thayer County Bank
Future Savings
0.16%
$2,500
First Community Bank of Hillsboro
First Community Bank of Hillsboro
Interest Checking
0.15%
$1,000
La Salle State Bank
La Salle State Bank
Statement Savings
0.15%
$10
National Bank of Coxsackie
National Bank of Coxsackie
6-Month CD
0.10%
$500
First Financial of Maryland FCU
First Financial of Maryland FCU
Share Savings
0.10%
$5
Central Bank of Kansas City
Central Bank of Kansas City
Premier Checking
0.05%
$1,000
Charter Bank TX
Charter Bank TX
NOW Checking
0.05%
$100
Milford Bank
Milford Bank
3-Month CD
0.05%
$1,000
The National Capital Bank of Washington
The National Capital Bank of Washington
Statement Savings
0.05%
$100
Pioneer Bank Albany, NY
Pioneer Bank Albany, NY
Pinnacle Money Market
0.03%
$0
Savings Bank of Danbury
Savings Bank of Danbury
Money Market
0.03%
$50
Katahdin Trust Company
Katahdin Trust Company
Statement Savings
0.01%
$10
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 January 25, 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

    Mortgage rates on conforming loans and jumbo loans are higher today. Mortgage rates on 30 year home loans are averaging 4.05%, an increase from yesterday's average 30 year mortgage rate of 4.01%. Mortgage rates today on 15 year mortgage loans are averaging 3.35%, an increase from yesterday's average 15 year mortgage rate of 3.31%.
    weeklymortgagerates3Current mortgage rates are mixed this week, 30-year conforming fixed mortgage rates are down and 30-year jumbo mortgage rates are higher this week over last.
    Mortgage Rates Lower This Week: 30 Year Mortgage Rates at 3.94%Mortgage rates are lower this week as 10 year bond yields moved lower. Mortgage rates on 30 year home loans are averaging 3.94%, down from last week’s average mortgage rate of 4.01%. Mortgage rates on 15 year home loans are averaging 3.26% this week, a decline from last week’s average 15 year mortgage rate of 3.33%.

    Bank or Credit Union Offers and Deals

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    Texas Trust Credit Union Savings and Money Market Accounts
    Fixed Mortgage Rates and Adjustable Mortgage Rates Higher 3-31: 30 Year Mortgage Rates at 4.86%
    Higher Federal Funds Rate Likely in the Spring of 2015, Leading to Higher CD Rates

    Alternative Bank and Credit Union Offers to Explore

    Luther Burbank Savings CD Rates: Top Rate at 5.25% APY
    Mortgage Rates Mixed: Current Mortgage Rates on 30 Year Conforming Loans at 4.27%
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