Spirit of Texas Bank, SSB in College Station, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Spirit of Texas Bank, SSB in College Station, Texas (TX)
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Spirit of Texas Bank, SSB routing number info

Spirit of Texas Bank, SSB - Overview

  • General
  • FDIC Certificate #: 22327
    Status: Active
    Federal Reserve ID: 260868
    Bank Holding Company (Regulatory Top Holder): St Financial Group, Inc. (RSSDID: 3818390, Location: College Station, TX)
    Date Established: September 07, 1976
    WWW: http://www.spiritoftexasbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 16060
    FDIC's unique #: 15536
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 07, 1976
    Last Structure Change Effective Date: October 28, 2011
    Last Structure Change Process Date: November 22, 2011
    Last Data Update: November 22, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 625 University Drive, College Station, TX 77840
    County: Brazos
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Bryan-College Station, TX (#1260)
    Core Based Statistical Area (CBSA): College Station-Bryan, TX (#17780)
    CBSA Metro Statistical Area: College Station-Bryan, TX (#17780)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $321.6 mil
    Equity capital: $37.6 mil
    Deposits held in domestic offices: $281.0 mil
    Return on assets (ROA): 1.03% ($3.3 mil)
    Quarterly return on assets: 0.29% ($0.9 mil)
    Return on Equity (ROE): 7.61% ($2.9 mil)
    Quarterly return on equity: 2.33% ($0.9 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.74% ($2,379.7 mil)
    Quarterly Pretax return on assets: -0.01% (-$32.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 87Total employees (full-time equivalent)
  • $321,581Total assets
  • $61,451Cash and due from depository institutions
  • $46,149Interest-bearing balances
  • $34,954Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $207,648Net loans & leases
  • $1,349Loan loss allowance
  • $0Trading account assets
  • $7,201Bank premises and fixed assets
  • $0Other real estate owned
  • $5,384Goodwill and other intangibles
  • $321,581Life insurance assets
  • $3,943All other assets
  • $284,011Total liabilities and capital
  • $281,038Total liabilities
  • $251,274Total deposits
  • $281,038Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,625Trading liabilities
  • $0Other borrowed funds
  • $1,348Subordinated debt
  • $37,570All other liabilities
  • $37,570Total equity capital
  • $37,570Total bank equity capital
  • $0Perpetual preferred stock
  • $240Common stock
  • $36,512Surplus
  • $818Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $520Income earned, not collected on loans
  • $0Earning assets
  • $867Long-term assets (5+ years)
  • $289,751Average Assets, year-to-date
  • $50,630Average Assets, quarterly
  • $239,871Volatile liabilities
  • $281,427Insider loans
  • $192,719FHLB advances
  • $281,516Loans and leases held for sale
  • $447Unused loan commitments
  • $447Tier 1 (core) risk-based capital
  • $30,766Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,139Restructured Loans and leases
  • $3,671Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,010Total interest income
  • $2,341Total interest expense
  • $9,669Net interest income
  • $443Provision for loan and lease losses
  • $4,405Total noninterest income
  • $0Fiduciary activities
  • $392Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,013Additional noninterest income
  • $11,864Total noninterest expense
  • $6,689Salaries and employee benefits
  • $1,666Premises and equipment expense
  • $3,509Additional noninterest expense
  • $1,767Pre-tax net operating income
  • $0Securities gains (losses)
  • -$707Applicable income taxes
  • $2,474Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,474Net income attributable to bank
  • $0Net charge-offs
  • $2,474Cash dividends
  • $197Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.57%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 4.49%Net interest margin
  • 2.04%Noninterest income to earning assets
  • 5.50%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 7.61%Return on equity (ROE)
  • 7.61%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 224.87%Credit loss provision to net charge-offs
  • 11.22%Efficiency ratio
  • 83,615Assets per employee
  • 3.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.65%Loss allowance to noncurrent loans
  • 259.42%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 73.89%Net loans and leases to core deposits
  • 77.49%Equity capital to assets
  • 11.68%Core capital (leverage) ratio
  • 10.93%Tier 1 risk-based capital ratio
  • 15.96%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $239,871Average earning assets
  • $32,523Average equity
  • $215,578Average loans

List of branches

  • 10 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    015536Spirit Of Texas Bank, Ssb625 University Drive, College Station, TX 77840September 07, 1976Full Service Brick and Mortar
    1426570Spirit Of Texas Bank Snook BranchFm Loop 2155, Snook, TX 77878January 04, 1999Full Service Brick and Mortar
    3488148Magnolia Branch6910 Fm 1488 Road, Suite 1, Magnolia, TX 77354Febuary 23, 2009Full Service Brick and Mortar
    4481903Clear Lake Branch1010 Bay Area Blvd., Houston, TX 77058October 20, 2008Full Service Brick and Mortar
    5492694Southwest Branch4151 Southwest Freeway, Suite 105, Houston, TX 77027Febuary 25, 2009Full Service Brick and Mortar
    6497943Post Oak Road Branch720 North Post Oak Road, Houston, TX 77024November 16, 2009Full Service Brick and Mortar
    7522076Tomball Branch27920 Tomball Parkway, Suite 250, Tomball, TX 77375August 27, 2010Full Service Brick and Mortar
    8465609Conroe Branch5452 Highway 105 West, Suite 101, Conroe, TX 77304June 15, 2007Full Service Brick and Mortar
    9468014Tomball West Branch14011 Park Drive, Suite 115, Tomball, TX 77375August 01, 2007Full Service Brick and Mortar
    10476957Tomball Hospital Branch605 Holderrieth Blvd, Tomball, TX 77375May 01, 2008Full Service Brick and Mortar

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