The State Bank and Trust Company
Defiance, OH
IDRSSD: 614313
Total Assets
$1.49B
Latest filing
Total Deposits
$1.27B
Latest filing
Net Interest Margin
3.75%
Profitability
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 | 248 |
| 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 | 11/14/2025 |
| CERT | 13339 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.49B |
| Total Deposits | $1.27B |
| Total Liabilities | $1.33B |
| Total Equity Capital | $155.11M |
| Net Income | $4.11M |
| Net Loans and Leases | $1.10B |
| Assets Per Employee ($Millions) | $6.07M |
| Bank Premises and Fixed Assets | $20.56M |
| Cash and Balances due from Depository Institutions | $83.15M |
| Deposits Held in Domestic Offices | $1.27B |
Key Performance Ratios
| Return on Assets (ROA) | 1.11% |
| Return on Equity (ROE) | 10.64% |
| Net Interest Margin | 3.75% |
| Efficiency Ratio | 67.69% |
| Tier 1 Risk-Based Capital Ratio | 12.48% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.427% |
| Earning Assets to total Assets | 91.26% |
Income and Expense
| Total Interest Income | $18.78M |
| Total Noninterest Income | $3.74M |
| Total Interest Expense | $6.12M |
| Total Noninterest Expense | $11.16M |
| Net Interest Income | $12.66M |
| Pre-tax Net Operating Income | $5.11M |
| Provision for Credit Losses | $125.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $35.57M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $10.98M |
| All Other Liabilities | $17.88M |
| Total Liabilities and Capital | $1.49B |
Securities
| Securities | $193.19M |
| Available-for-sale debt securities | $193.19M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$1.49B as of the latest filing.
How much are The State Bank and Trust Company's total deposits?
$1.27B in total deposits.
Where is The State Bank and Trust Company located?
Defiance, OH.
What is the Net Interest Margin?
3.75%.
How many domestic offices does it operate?
28.
When was it established?
03/28/1902.
What is the Return on Assets (ROA)?
1.11%.
How much are total loans and leases?
$1.10B (latest filing).
What is the total interest income (latest filing)?
$18.78M.