Company:  SPIRIT OF TEXAS BANCSHARE ... (STXB)
Form Type:  10-K
Filing Date:  3/16/2020 
CIK:  0001499453 
Address:  1836 SPIRIT OF TEXAS WAY 
City, State, Zip:  CONROE, Texas 77301 
Telephone:  (936) 521-1836 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$12.17  
Change: 
0.02 (0.17%)  
Trade Time: 
04:00 PM EST  
Market Cap: 
$214.35M
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Description of Business
Spirit of Texas Bancshares, Inc. is a Texas corporation and a registered bank holding company located in the Houston metropolitan area with headquarters in Conroe, Texas. We offer a broad range of commercial and retail banking services through our wholly-owned bank subsidiary, Spirit of Texas Bank SSB. We operate through 37 locations primarily in the Houston, Dallas/Fort Worth, Bryan/College Station, San Antonio-New Braunfels, Corpus Christi and Tyler metropolitan areas, along with North Central Texas. As of December 31, 2019, we had total assets of $2.38 billion, loans held for investment of $1.77 billion, total deposits of $1.93 billion and total stockholders' equity of $345.7 million. We are a business-focused bank that delivers relationship-driven financial services to small and medium-sized businesses and individuals in our market areas. Our philosophy is to target commercial customers whose businesses generate between $3 to $30 million of annual revenue.
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  FORM 10-K
    Part I
      Item 1. Business
      Executive Compensation
      Item 1A. Risk Factors
      Item 1B. Unresolved Staff Comments
      Item 2. Properties
      Item 3. Legal Proceedings
      Item 4. Mine Safety Disclosures
    Part II
      Item 5. Market for Registrant's Common Equity, Related ...
      Item 6. Selected Financial Data
      Item 7. Management's Discussion and Analysis of Financial ...
        Results of Operations
        Interest Rate Sensitivity and Market Risk
      Item 8. Financial Statements and Supplementary Data
        Report of Independent Registered Public Accounting Firm
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
        NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
          NOTE 21. SUBSEQUENT EVENT
      Item 9. Changes in and Disagreements with Accountants on ...
      Item 9A. Controls and Procedures
      Item 9B. Other Information.
    Part III
      Item 10. Directors, Executive Officers and Corporate Governance.
      Item 12. Security Ownership of Certain Beneficial Owners and ...
      Item 13. Certain Relationships and Related Transactions, and ...
      Item 14. Principal Accounting Fees and Services.
    Part IV
      Item 15. Exhibits, Financial Statement Schedules.
    SIGNATURES
  EXHIBIT 4.3
  EXHIBIT 21.1
  EXHIBIT 23.1
    Consent of Independent Registered Public Accounting Firm
  EXHIBIT 31.1
    CERTIFICATION PURSUANT TO
  EXHIBIT 31.2
    CERTIFICATION PURSUANT TO
  EXHIBIT 32.1
    CERTIFICATION PURSUANT TO
  EXHIBIT 32.2
    CERTIFICATION PURSUANT TO