State Bank and Trust Company, The
Defiance, OH · Cert 13339 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · SB Financial Group Inc.
State charter, Fed member · FED · 29 branches
Q2 2026
$1.6BAssets
$1.2BLoans
$1.4BDeposits
$165.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of banks $1B-$10B in assets operating regionally (rank 44 of 176).
- Widest gap: net interest margin trails 74% of banks $1B-$10B in assets operating regionally (rank 130 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.15%
Rank 104 of 176
Net Interest Margin
3.27%
Rank 130 of 176
Efficiency Ratio
65.64%
Rank 124 of 176
Equity / Assets
10.27%
Rank 91 of 176
Non-interest income vs. expense
Unfavorable gap of $28.5M · efficiency ratio beats 30% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.93% | 1.26% | 1.54% | Beats 41% | 104 / 176 | |
| Return on Equity | 11.21% | 9.26% | 11.89% | 14.46% | Beats 43% | 101 / 176 | |
| Net Interest Margin | 3.27% | 3.25% | 3.59% | 3.93% | Beats 26% | 130 / 176 | |
| Efficiency Ratio | 65.64% | 52.79% | 59.55% | 67.66% | Beats 30% | 124 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.30% | 0.64% | 1.32% | Beats 76% | 44 / 176 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.10% | Beats 64% | 64 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 12.37% | 11.15% | 12.72% | 14.15% | Beats 46% | 95 / 176 | |
| Total Risk-Based Capital Ratio | 13.62% | 11.81% | 13.63% | 15.33% | Beats 49% | 89 / 176 | |
| Equity / Assets | 10.27% | 9.16% | 10.35% | 11.80% | Beats 48% | 91 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 85.51% | 80.94% | 89.73% | 97.21% | 37th pctl | 111 / 176 | |
| Loans / Assets | 74.23% | 69.25% | 75.12% | 80.82% | 46th pctl | 95 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |