Total Assets
$1.5B
Total balance-sheet footings
FDIC Cert #13339 · Defiance, Ohio · Est. 1902
The State Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at The State Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.5B
- Total assets
- B
- Health grade · Good
- 1.08%
- Return on assets
- 11.8%
- Tier 1 capital
Data updated July 2026
The verdict
The State Bank and Trust Company earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.78% Tier 1, profitable at 1.08% ROA, 68% efficiency ratio.
- #737
- largest of 4,313 FDIC banks by assets
- 83rd
- percentile by asset size, nationally
- 11.78%
- Tier 1 ratio - above the 10% well-capitalized line
- 49th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The State Bank and Trust Company's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The State Bank and Trust Company's composite health score
Tier 1 Capital Ratio (11.78%) 28/40
Return on Assets (ROA) (1.08%) 20/25
Texas Ratio (2.65%) 20/20
Efficiency Ratio (67.57%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.3B
Customer-funded liabilities
Net Loans
$1.2B
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The State Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The State Bank and Trust Company's score of 76/100 falls in the highlighted band.
The State Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The State Bank and Trust Company's $1.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.78% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.78%
Texas Ratio
2.65%
Equity Capital
$157M
Profitability metrics
Return on Assets (ROA)
49th percentile nationally
1.08%
Return on Equity (ROE)
10.42%
Efficiency Ratio
67.57%
What the numbers say about The State Bank and Trust Company
The State Bank and Trust Company is an FDIC-insured institution (Certificate #13339) headquartered in Defiance, Ohio, established in 1902. It holds $1.5B in total assets - 737th of 4,313 FDIC-insured banks, $1.3B in customer deposits, and $1.2B in net loans. On safety, its Tier 1 capital ratio of 11.78% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.65% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Ohio, The State Bank and Trust Company ranks 22nd of 158 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$74M
Interest Income
$16M
Non-Interest Income
$45M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The State Bank and Trust Company reports a Texas Ratio of 2.65% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.65% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The State Bank and Trust Company (FDIC Cert #13339) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is The State Bank and Trust Company's health grade?▼
The State Bank and Trust Company receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The State Bank and Trust Company?▼
The State Bank and Trust Company holds $1.5B in total assets and $1.3B in deposits, ranking 737th of 4,313 FDIC-insured banks by asset size. It is headquartered in Defiance, Ohio.
Is my money safe at The State Bank and Trust Company?▼
Yes, deposits at The State Bank and Trust Company (Certificate #13339) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The State Bank and Trust Company's Tier 1 Capital Ratio?▼
The State Bank and Trust Company has a Tier 1 Capital Ratio of 11.78%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The State Bank and Trust Company?▼
The State Bank and Trust Company has a Texas Ratio of 2.65%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The State Bank and Trust Company?▼
The State Bank and Trust Company has an Efficiency Ratio of 67.57%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The State Bank and Trust Company's profile as a depositor or analyst.
- The State Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The State Bank and Trust Company against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.