Since 1987

America’s leading hospitality
lender and one of the nation’s
most successful community banks.


State Bank of Texas® has been family owned and operated since 1987, and continues to lead the banking and hospitality industries today by combining good business and good family values.

SBT consistently ranks at or near the top of the nation’s community banks for metrics such as Return on Average Assets (ROA) and Efficiency Ratio for banks in its asset size category.

  • Insured
  • Bauer Financial 5-Star Rated
  • $ 2.7 B In assets
SBT building SBT building

High-Rate 12-Month CD

$50,000 minimum deposit** UPDATED 7-16-24 | 8:50 AM CST

*APY: Annual Percentage Yield. **Minimum deposit $50,000 for Certificates of Deposit (CDs). This CD is a fixed rate certificate for the full 12-month term. This offer is for a limited time only, so call or visit our website to open your CD today! Fees, withdrawals, and penalties could reduce the earnings on the account. Interest is paid monthly via ACH or added back at maturity. **Call for rates and APY on additional minimum balances.**

High-Rate Jumbo Money Market

$100,000 minimum deposit** UPDATED 1-26-24 | 10:43 AM CST

*Annual Percentage Yield is accurate as of posting date and applies to new money deposits only. Rate is subject to change without notice after account opening. Fees and/or withdrawals could reduce the earnings on the account. **$100,000.00 minimum balance required to earn stated rate.

High returns from a highly
reputable bank

State Bank of Texas consistently ranks among the top performing community banks in the nation with assets under $10 billion, according to the Texas Bankers Association, S&P Global Market Intelligence, and BankRegData.

And with an A+ rating from, it also consistently leads the market nationwide for deposit rates. An impressive annual growth rate on non-brokered deposits, and an ever-expanding loan portfolio, have made State Bank of Texas a healthy and stable bank that continues to grow each year.

Man looking at ipad

A History in Hospitality

Legendary hotelier Chan Patel opened his first hotel in Texas back in 1976. With hard work and perseverance, Patel quickly added 17 more hotels to his successful portfolio.

71       75 1976     80  

By 1987, he realized his expertise in the hospitality industry could be utilized to help fund other hoteliers’ ventures. State Bank of Texas, led today by sons Sushil and Rajan Patel, is the largest community bank lender in the hospitality industry – known for fast closings and quick decisions.

ribbon cutting ceremony of bank

Let’s Connect.

Interested in banking, lending or careers with SBT? Fill out the form and we’ll be in touch.

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