State Bank of Texas has carved a unique niche in the banking industry, staking its claim as the country’s largest lender to t ... he hospitality industry. It is also the largest American-Indian-owned bank in the country. Undergirding the bank’s success is its laser focus on staying true to its purpose. As a privately held, independent bank, State Bank of Texas is diligent about maintaining a hands-on approach to customer service, freely sharing cell numbers and email addresses of its leadership. State Bank of Texas is also one of the top performing banks in the nation, consistently ranking at or near the top for well-recognized metrics such as Return on Average Assets (ROA) and Efficiency Ratio. For the latest news about our rankings, visit our Latest News page. read more