Vitals
  • Total Assets
    979.3M 15.7 %
  • Total Deposits
    814.5M 22.7 %
  • Total Net Loans
    772.1M 10.9 %
  • Net Income
    6.7M 2.8 %
  • Book Value
    96.5M 10.0 %
  • Book Value x2
    192.9M 10.0 %
  • Book Value x3
    289.4M 10.0 %
ROAA

.748

ROAE

7.244

Efficiency Ratio

73.272

Net Interest Margin

4.196

Balance Sheet Highlights
Financial Highlights Spirit Of Texas Bank, Ssb All Insured Savings Banks in Texas
Balance Sheet $(000)
Total Assets 979,282 699,407
Total Net Loans 772,111 487,746
Total Deposits 814,524 520,110
Total Equity 96,451 100,964
Profitability
Net Income 6,682 10,708
Return on Average Assets .748 1.001
Return on Average Equity 7.244 8.837
Net Interest Margin 4.196 4.122
Efficiency Ratio 73.272 69.901
Noninterest Income/Revenue 15.766 22.526
Balance Sheet Ratios
Loan-to-Deposit 94.793 87.04
Securities/Assets .148
Total Equity/Total Assets .098 .144
Tangible Equity/Tangible Assets .086 .13
Capital Adequacy
Tier 1 Common Capital 86,333 94,270
Tier 1 Capital 86,333 94,270
Tier 2 Capital 4,390 4,738
Total Capital 90,723 99,006
Total Risk Weighted Assets 758,140 501,775
Leverage Ratio 9.19 11.157
Common Equity Tier 1 Capital Ratio 11.39 17.175
Tier 1 Capital Ratio 11.39 17.194
Total Capital Ratio 11.97 18.145

Timeline for Spirit Of Texas Bank, Ssb

Texas Community Bank, National Association

Acquisition: Spirit Of Texas Bank, Ssb acquired a new subsidiary, Texas Community Bank, National Association, 10 years

View Profile Dec 14 2013

Peoples Bank

Acquisition: Spirit Of Texas Bank, Ssb acquired a new subsidiary, Peoples Bank, 10 years

View Profile Jul 13 2013

Oasis Bank, Ssb

Acquisition: Spirit Of Texas Bank, Ssb acquired a new subsidiary, Oasis Bank, Ssb, 11 years

View Profile Dec 01 2012

St Financial Group, Inc.

St Financial Group, Inc. became a new parent organization for Spirit Of Texas Bank, Ssb.

View Profile Nov 18 2008

Snook Bancshares, Inc.

Snook Bancshares, Inc. became a new parent organization for Spirit Of Texas Bank, Ssb.

View Profile Jul 30 1982

Want to see more?

Complete timeline for Spirit Of Texas Bank, Ssb is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Texas Community Bank, National Association Seller 159,257 Failure 12/14/2013
Peoples Bank Seller 70,859 Acquisition Discontinued 7/13/2013
Oasis Bank, Ssb Seller 77,309 Acquisition Discontinued 12/1/2012
Relationships Role Relationship Start Relationship End
St Financial Group, Inc. Parent 11/18/2008
Snook Bancshares, Inc. Parent 7/30/1982 11/17/2008
Similar Organizations
Organization City State Total Assets
Androscoggin Savings Bank
 		Lewiston ME 921.8M
Timberland Bank
 		Hoquiam WA 890.3M
Haven Savings Bank
 		Hoboken NJ 911.3M
The Village Bank
 		Auburndale MA 990.4M
Marquette Savings Bank
 		Erie PA 839.0M
Thomaston Savings Bank
 		Thomaston CT 938.2M
1St Security Bank Of Washington
 		Mountlake Terrace WA 827.0M
First Federal Savings And Loan Association Of Port Angeles
 		Port Angeles WA 1.0B
Bath Savings Institution
 		Bath ME 820.0M
Peoples Bank Sb
 		Munster IN 899.6M