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The State Bank And Trust Company
Defiance, OH · FDIC Certificate #13339 · Chartered 03/2
Total assets
$1.61B
Total deposits
$1.40B
Total equity
$165.58M
Net loans
$1.18B
Branches (offices)
29
Net income (YTD)
$9.28M
Rank: #697 of 4,213 U.S. banks by assets · #22 of 155 in Ohio. Assets changed 9.1% and deposits 11.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.17% |
| Return on equity | 11.52% |
| Net interest margin (YTD) | 3.62% |
| Equity to assets | 10.27% |
| Tier 1 leverage ratio | 10.00% |
| Uninsured deposits (share of deposits) | 26.6% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 84.3% |
| Real estate loans (share of loans) | 88.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.05B | 88.6% | |
| Commercial & industrial | $101.36M | 8.6% | |
| Consumer / individual | $17.64M | 1.5% | |
| Construction & development | $88.32M | 7.5% | |
| Agricultural | $23.13M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.28B | $1.08B | $5.99M | $138.40M |
| Jun 2023 | $1.33B | $1.08B | $6.21M | $134.37M |
| Jun 2024 | $1.33B | $1.12B | $6.22M | $143.75M |
| Jun 2025 | $1.48B | $1.25B | $7.12M | $153.92M |
| Jun 2026 | $1.61B | $1.40B | $9.28M | $165.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $1.35B | 27 |
| Indiana | $48.71M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.40B.
Similar-sized banks
The Nodaway Valley Bank ($1.62B) · Pacific National Bank ($1.61B)
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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