STATE BANK & TRUST

WINFIELD, AL | Small | Est. Oct. 3, 1907, midnight | FDIC #861 | RSSD #386731 | FDIC
Latest Report: 2025-12-31

STATE BANK & TRUST is asn small FDIC-insured commercial bank headquartered in WINFIELD, AL, established in Oct. 3, 1907, midnight. As of 2025-12-31, the bank reported total assets of $396M and total deposits of $347M. Profitability stands at 0.47% ROA and 8.80% ROE, with a net interest margin of 3.26%. The bank's CET1 capital ratio is 5.43%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.53% and a Texas Ratio of 7.57%. FDIC Certificate #861.

Assets

$396M

Deposits

$347M

Loans

$250M

Equity

$22M

Profitability

Return on Assets (ROA) 0.47%
Return on Equity (ROE) 8.80%
Net Interest Margin (NIM) 3.26%
Yield on Assets 6.17%
Cost of Funds 2.85%

Asset Quality

NPL Ratio 0.53%
Net Charge-Off Ratio 0.30%
Texas Ratio 7.57%
NPA Ratio 0.46%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 5.43%
Tier 1 Capital 5.43%
Total Capital Ratio 5.70%
Leverage Ratio 9.23%
Loan-to-Deposit 72.25%

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