STATE BANK FINANCIAL

LA CROSSE, WI | Medium | Est. July 26, 1858, midnight | FDIC #10383 | RSSD #2631172 | FED
Latest Report: 2025-12-31

STATE BANK FINANCIAL is amn medium FDIC-insured commercial bank headquartered in LA CROSSE, WI, established in July 26, 1858, midnight. As of 2025-12-31, the bank reported total assets of $520M and total deposits of $407M. Profitability stands at 1.58% ROA and 17.68% ROE, with a net interest margin of 3.25%. The bank's CET1 capital ratio is 13.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.76%. FDIC Certificate #10383.

Assets

$520M

Deposits

$407M

Loans

$329M

Equity

$47M

Profitability

Return on Assets (ROA) 1.58%
Return on Equity (ROE) 17.68%
Net Interest Margin (NIM) 3.25%
Yield on Assets 5.20%
Cost of Funds 2.05%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.76%
NPA Ratio 0.07%
ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 13.80%
Tier 1 Capital 13.80%
Total Capital Ratio 14.57%
Leverage Ratio 10.01%
Loan-to-Deposit 80.84%

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