STATE BANK FINANCIAL
STATE BANK FINANCIAL is an FDIC-insured commercial bank headquartered in LA CROSSE, WI, established in 1858. As of , 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 3.19%. CET1 capital ratio: 13.80%, well above regulatory minimums. NPL ratio: 0.11% · Texas Ratio: 0.76%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
State Bank Financial rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.80% | 1.58% | 0.11% | 0.76% | 3.19% |
| 2025-09-30 | 13.65% | 1.25% | 0.21% | 1.39% | 3.01% |
| 2025-06-30 | 14.04% | 1.14% | 0.26% | 1.73% | 2.91% |
| 2025-03-31 | 13.60% | 0.83% | 0.31% | 2.17% | 2.68% |
| 2024-12-31 | 13.51% | 1.10% | 0.34% | 2.42% | 2.66% |
| 2024-09-30 | 14.02% | 1.09% | 0.36% | 2.38% | 2.68% |
| 2024-06-30 | 14.26% | 1.05% | 0.34% | 2.44% | 2.74% |
| 2024-03-31 | 14.14% | 0.88% | 0.35% | 2.58% | 2.79% |
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Frequently asked about STATE BANK FINANCIAL
What are State Bank Financial's total assets?
As of the Q4 2025 filing, State Bank Financial reported total assets of $519.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Bank Financial headquartered?
State Bank Financial is headquartered in LA CROSSE, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Bank Financial founded?
State Bank Financial was established in 1858, per the FDIC institution directory.
Is State Bank Financial FDIC-insured?
Yes. State Bank Financial is an FDIC-insured commercial bank (FDIC Certificate #10383). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank Financial?
State Bank Financial's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is State Bank Financial's CET1 capital ratio?
State Bank Financial reported a Common Equity Tier 1 (CET1) capital ratio of 13.80% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does State Bank Financial operate?
State Bank Financial operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is State Bank Financial's Texas Ratio?
State Bank Financial's Texas Ratio is 0.76% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.