BanksSTATE BANK & TRUST COMPANY

STATE BANK & TRUST COMPANY

GOLDEN MEADOW, LASmallEst. Jan. 16, 1953, midnightFDIC #17169RSSD #485139FDIC
Latest · 2025-12-31

STATE BANK & TRUST COMPANY is an 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%. CET1 capital ratio: 15.44%, well above regulatory minimums. NPL ratio: 0.50% · Texas Ratio: 3.41%. Operates 4 domestic branches.

Assets
$152M
Deposits
$133M
Loans
$99M
Equity
$13M

Profitability

Return on Assets (ROA)1.24%
Return on Equity (ROE)14.76%
Net Interest Margin4.21%
Yield on Assets5.98%
Cost of Funds1.79%

Asset Quality

NPL Ratio0.50%
Net Charge-Off Ratio0.02%
Texas Ratio3.41%
NPA Ratio0.33%
ACL / Loans1.47%

Capital & Liquidity

CET1 Ratio15.44%
Tier 1 Capital15.44%
Total Capital Ratio16.69%
Leverage Ratio10.54%
Loan-to-Deposit74.49%

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