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State Bank & Trust Co.
Nevada, IA · FDIC Certificate #15651 · Chartered 02/2
Total assets
$197.60M
Total deposits
$174.33M
Total equity
$19.47M
Net loans
$101.63M
Branches (offices)
1
Net income (YTD)
$1.42M
Rank: #2,992 of 4,213 U.S. banks by assets · #143 of 225 in Iowa. Assets changed 1.4% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.44% |
| Return on equity | 14.73% |
| Net interest margin (YTD) | 3.17% |
| Equity to assets | 9.86% |
| Tier 1 leverage ratio | 11.03% |
| Uninsured deposits (share of deposits) | 25.7% |
| Noncurrent loans (share of loans) | 1.30% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 58.3% |
| Real estate loans (share of loans) | 70.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $71.42M | 70.3% | |
| Commercial & industrial | $10.61M | 10.4% | |
| Consumer / individual | $440.00K | 0.4% | |
| Construction & development | $4.23M | 4.2% | |
| Agricultural | $17.32M | 17.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $226.28M | $204.97M | $1.27M | $13.84M |
| Jun 2023 | $211.64M | $193.34M | $528.00K | $13.65M |
| Jun 2024 | $195.87M | $172.87M | $566.00K | $15.52M |
| Jun 2025 | $194.92M | $171.75M | $1.07M | $18.04M |
| Jun 2026 | $197.60M | $174.33M | $1.42M | $19.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $174.33M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $174.33M.
Similar-sized banks
Harpeth Bank & Trust ($197.75M) · Lyons Federal Bank ($197.57M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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