State Bank & Trust

BankWinfield, Alabama
http://www.statebank.net

Total Assets

$396.4M

Total Deposits

$346.6M

Branches

4

Established

1907

TFS Health Grade

$
D

65.0 / 100

Below average financial health

How we grade

State Bank & Trust is a bank headquartered in Winfield, Alabama, established in 1907. With $396.4M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D (65.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.23%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.55%

Profitability

Return on Assets (ROA)
0.69%(1%)
Return on Equity (ROE)
14.91%(10%)
Net Interest Margin
2.96%
Efficiency Ratio
61.14%(60%)

Lending & Liquidity

Total Loans
$250.4M
Loan-to-Deposit Ratio
71.50%
Net Charge-Off Ratio
0.34%

Growth

Asset Growth (YoY)
+5.15%
Deposit Growth (YoY)
+8.23%
Net Income
$2.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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