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 The State Bank and Trust Company
The State Bank and Trust Company
| RSSD ID 614313 | CERTIFICATE 13339 | ABA NUMBER 41203594 |
| 401 Clinton St |
Quarter Ended : |
2025-12-31 |
| Defiance, Ohio, 43512 |
Updated : |
2026-01-30 |
| www.yourstatebank.com |
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| Institution Profile |
| Year Opened : |
1902 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
29 |
Number of Employees : |
246 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,536,850 |
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Total Interest Income | 73,782 |
| Total Liabilities | 1,380,172 |
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Total NonInterest Income | 15,948 |
| Total Bank Equity Capital | 156,678 |
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Total Interest Expense | 24,052 |
| Total Deposits | 1,317,530 |
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Total NonInterest Expense | 44,615 |
| Net Loans & Leases | 1,164,482 |
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Net Income | 15,868 |
| Loan Loss Allowance | 16,114 |
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Net Charge Offs | 262 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 167,693 |
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Total loans | 1,152,902 |
| Total assets for the leverage ratio | 1,537,149 |
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Loans secured by real estate: | 996,651 |
| Tier 1 Leverage Ratio | 9.86 |
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Commercial and industrial loans | 106,747 |
| Tier 1 Capital Ratio | 11.78 |
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Loans to individuals - Credit Cards | 1,791 |
| Total Capital Ratio | 13.03 |
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Loans to individuals - Other | 15,796 |
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:· The State Bank and Trust Company
