State Bank & Trust Company
Golden Meadow, LA · Cert 17169 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · SBT Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$165.1MAssets
$115.9MLoans
$145.3MDeposits
$13.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 73% of banks under $1B in assets operating in a single state (rank 202 of 746).
- Widest gap: equity / assets trails 83% of banks under $1B in assets operating in a single state (rank 621 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.12%
Rank 340 of 746
Net Interest Margin
3.83%
Rank 316 of 746
Efficiency Ratio
65.13%
Rank 384 of 746
Equity / Assets
8.33%
Rank 621 of 746
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 49% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.72% | 1.06% | 1.45% | Beats 54% | 340 / 746 | | |
| Return on Equity | 13.45% | 6.74% | 10.51% | 13.63% | Beats 73% | 202 / 746 | | |
| Net Interest Margin | 3.83% | 3.17% | 3.68% | 4.16% | Beats 58% | 316 / 746 | | |
| Efficiency Ratio | 65.13% | 55.74% | 64.58% | 75.47% | Beats 49% | 384 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.09% | 0.42% | 1.07% | Beats 48% | 387 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 36% | 474 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.35% | 11.55% | 13.75% | 17.60% | Beats 55% | 335 / 746 | | |
| Total Risk-Based Capital Ratio | 15.59% | 11.71% | 14.33% | 18.43% | Beats 60% | 301 / 746 | | |
| Equity / Assets | 8.33% | 8.90% | 10.51% | 13.06% | Beats 17% | 621 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.80% | 61.31% | 78.27% | 90.78% | 53rd pctl | 348 / 746 | | |
| Loans / Assets | 70.21% | 53.60% | 66.97% | 76.08% | 58th pctl | 315 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |