The State Bank and Trust Company
Defiance, OH
IDRSSD: 614313
Total Assets
$1.54B
Latest filing
Total Deposits
$1.32B
Latest filing
Net Interest Margin
3.77%
Profitability
Key People
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Locations
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Main Office
The State Bank and Trust Company
401 Clinton St
Defiance, OH 43512
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/28/1902FDIC Certificate 8414
Branches (28)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| The State Bank and Trust Company (Main) | 401 Clinton St | Defiance, OH |
| LUCKEY BRANCH | 235 Main St | Luckey, OH |
| WALBRIDGE BRANCH | 311 N Main St | Walbridge, OH |
| DANBURY TOWNSHIP BRANCH | 259 S Bridge Rd | Marblehead, OH |
| MOTOR BRANCH | 500 W 3rd St | Defiance, OH |
| NORTHTOWNE BRANCH | 1600 N Clinton St | Defiance, OH |
| PAULDING BANKING CENTER BRANCH | 220 N Main St | Paulding, OH |
| EAST MAIN STREET BRANCH | 1201 E Main St | Montpelier, OH |
Showing 7 of 28
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 03/28/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43512 |
| State and County Number | 39039 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Defiance, OH |
Operational Info
| Number of Employees | 245 |
| Domestic Offices | 28 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/18/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.yourstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 13339 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.54B |
| Total Deposits | $1.32B |
| Total Liabilities | $1.38B |
| Total Equity Capital | $156.68M |
| Net Income | $4.64M |
| Net Loans and Leases | $1.17B |
| Assets Per Employee ($Millions) | $6.25M |
| Bank Premises and Fixed Assets | $20.54M |
| Cash and Balances due from Depository Institutions | $68.41M |
| Deposits Held in Domestic Offices | $1.32B |
Key Performance Ratios
| Return on Assets (ROA) | 1.23% |
| Return on Equity (ROE) | 11.9% |
| Net Interest Margin | 3.77% |
| Efficiency Ratio | 64.27% |
| Tier 1 Risk-Based Capital Ratio | 11.781% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.195% |
| Earning Assets to total Assets | 91.71% |
Income and Expense
| Total Interest Income | $19.24M |
| Total Noninterest Income | $3.90M |
| Total Interest Expense | $6.21M |
| Total Noninterest Expense | $10.93M |
| Net Interest Income | $13.03M |
| Pre-tax Net Operating Income | $5.79M |
| Provision for Credit Losses | $198.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $35.55M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $9.23M |
| All Other Liabilities | $17.86M |
| Total Liabilities and Capital | $1.54B |
Securities
| Securities | $188.63M |
| Available-for-sale debt securities | $188.63M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The State Bank and Trust Company?
$1.54B as of the latest filing.
How much are The State Bank and Trust Company's total deposits?
$1.32B in total deposits.
Where is The State Bank and Trust Company located?
Defiance, OH.
What is the Net Interest Margin?
3.77%.
How many domestic offices does it operate?
28.
When was it established?
03/28/1902.
What is the Return on Assets (ROA)?
1.23%.
How much are total loans and leases?
$1.17B (latest filing).
What is the total interest income (latest filing)?
$19.24M.