STATE BANK & TRUST COMPANY

GOLDEN MEADOW, LA | Small | Est. Jan. 16, 1953, midnight | FDIC #17169 | RSSD #485139 | FDIC
Latest Report: 2025-12-31

STATE BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in GOLDEN MEADOW, LA, established in Jan. 16, 1953, midnight. As of 2025-12-31, the bank reported total assets of $152M and total deposits of $133M. Profitability stands at 1.24% ROA and 14.76% ROE, with a net interest margin of 4.21%. The bank's CET1 capital ratio is 15.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.50% and a Texas Ratio of 3.41%. FDIC Certificate #17169.

Assets

$152M

Deposits

$133M

Loans

$99M

Equity

$13M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 14.76%
Net Interest Margin (NIM) 4.21%
Yield on Assets 5.98%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 0.50%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.41%
NPA Ratio 0.33%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 15.44%
Tier 1 Capital 15.44%
Total Capital Ratio 16.69%
Leverage Ratio 10.54%
Loan-to-Deposit 74.49%

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