What is The State Bank and Trust Company's financial health grade?

The State Bank and Trust Company has a TFS Financial Health Grade of C (score: 74.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The State Bank and Trust Company have?

The State Bank and Trust Company has 29 branch locations across the United States.

Is The State Bank and Trust Company FDIC insured?

Yes, The State Bank and Trust Company is FDIC insured (Certificate #13339).

What are the total assets of The State Bank and Trust Company?

The State Bank and Trust Company has total assets of $1.5B as reported in its most recent FDIC filing.

The State Bank and Trust Company

BankDefiance, Ohio

www.yourstatebank.com

Total Assets

$1.5B

Total Deposits

$1.3B

Branches

Established

1902

TFS Health Grade

74.0 / 100

Average financial health

How we grade

The State Bank and Trust Company is a bank headquartered in Defiance, Ohio, established in 1902. With $1.5B in total assets and 29 branch locations, it has a TFS Financial Health Grade of C (74.0/100).

Capital & Safety

Tier 1 Capital Ratio

9.86%(8%)

Total Capital Ratio

13.03%(10%)

Non-Performing Loan Ratio

0.39%

Profitability

Return on Assets (ROA)

1.08%(1%)

Return on Equity (ROE)

10.42%(10%)

Net Interest Margin

3.71%

Efficiency Ratio

67.57%(60%)

Lending & Liquidity

Total Loans

$1.2B

Loan-to-Deposit Ratio

88.52%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+12.23%

Deposit Growth (YoY)

+13.85%

Net Income

$15.9M

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.

Branch	Address	City	State	Type
The State Bank and Trust CompanyHQ	401 Clinton St	Defiance	OH	11
The State Bank and Trust Company	307 North Wayne Street	Angola	IN	11
The State Bank and Trust Company	12832 Coldwater Rd	Fort Wayne	IN	11
The State Bank and Trust Company	1232 N Main St	Bowling Green	OH	11
The State Bank and Trust Company	1419 W High St	Bryan	OH	11
The State Bank and Trust Company	1600 N Clinton St	Defiance	OH	11
The State Bank and Trust Company	500 W 3rd St	Defiance	OH	23
The State Bank and Trust Company	312 Main St	Delta	OH	11
The State Bank and Trust Company	4080 W Dublin Granville Rd	Dublin	OH	11
The State Bank and Trust Company	187 N Michigan Ave	Edgerton	OH	23
The State Bank and Trust Company	104 N Michigan Ave	Edgerton	OH	11
The State Bank and Trust Company	101 N Michigan St	Edon	OH	11
The State Bank and Trust Company	408 S Main St	Findlay	OH	11
The State Bank and Trust Company	201 E Lincoln St	Findlay	OH	11
The State Bank and Trust Company	930 W Market St	Lima	OH	11
The State Bank and Trust Company	235 Main St	Luckey	OH	11
The State Bank and Trust Company	133 East Morenci Street	Lyons	OH	11
The State Bank and Trust Company	709 W Main St	Marblehead	OH	11
The State Bank and Trust Company	259 S Bridge Rd	Marblehead	OH	11
The State Bank and Trust Company	9400 N Shore Blvd	Marblehead	OH	29
The State Bank and Trust Company	1201 E Main St	Montpelier	OH	11
The State Bank and Trust Company	1414 Scott St	Napoleon	OH	11
The State Bank and Trust Company	218 North First Street	Oakwood	OH	11
The State Bank and Trust Company	220 N Main St	Paulding	OH	11
The State Bank and Trust Company	610 E South Boundary St	Perrysburg	OH	11
The State Bank and Trust Company	119 S State St	Pioneer	OH	11
The State Bank and Trust Company	6401 Monroe St	Sylvania	OH	11
The State Bank and Trust Company	311 N Main St	Walbridge	OH	11
The State Bank and Trust Company	1379 N Shoop Ave	Wauseon	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.