BanksSTATE BANK & TRUST

STATE BANK & TRUST

WINFIELD, ALSmallEst. Oct. 3, 1907, midnightFDIC #861RSSD #386731FDIC
Latest · 2025-12-31

STATE BANK & TRUST is an 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%. CET1 capital ratio: 5.43%, below the well-capitalized threshold. NPL ratio: 0.53% · Texas Ratio: 7.57%. Operates 4 domestic branches.

Assets
$396M
Deposits
$347M
Loans
$250M
Equity
$22M

Profitability

Return on Assets (ROA)0.47%
Return on Equity (ROE)8.80%
Net Interest Margin3.26%
Yield on Assets6.17%
Cost of Funds2.85%

Asset Quality

NPL Ratio0.53%
Net Charge-Off Ratio0.30%
Texas Ratio7.57%
NPA Ratio0.46%
ACL / Loans1.04%

Capital & Liquidity

CET1 Ratio5.43%
Tier 1 Capital5.43%
Total Capital Ratio5.70%
Leverage Ratio9.23%
Loan-to-Deposit72.25%

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