State Bank (Brownsburg, IN)
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Data as of · sourced from FFIEC call reports. How we update
State Bank is an FDIC-insured commercial bank headquartered in Brownsburg, IN, established in 1910 (FDIC certificate 1833), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $916.1M, up 7.1% from Q2 2025, the 23rd largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.90% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1833
- Headquarters
- Brownsburg, IN
- Established
- 1910
- Total assets, Q2 2026
- $916.1M
- Assets vs Q2 2025
- +7.1%
- Tier 1 leverage ratio, Q2 2026
- 11.90%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 074908138
- Holding company
- LIZTON FINANCIAL CORPORATION
- Asset rank in state
- 23rd of 87 in Indiana
State Bank leans heavily on commercial real estate. It reported $916 million in assets at June 30, 2026, up 7.1% from a year earlier. It holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 19% from a year earlier, to $2.4 million. Its $154 million non-owner-occupied commercial real estate book is now fully current, after 0.57% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, State Bank reported a return on assets of 1.07%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.86%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank is the 23rd largest of the 87 banks headquartered in Indiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 7.1% to $916.1M, loans rose 3.5% and deposits rose 9.7%. Non-owner-occupied commercial real estate loans made up 21.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.9%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in IN; its Brownsburg office books 28% of its branch deposits. By the capital ratios in its Q2 2026 call report, State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 900 E 56th St, Brownsburg, IN 46112
- County
- Hendricks
- Metro Area
- Indianapolis-Carmel-Greenwood, IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- December 1, 1910
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 120
- Domestic deposits
- $764.1M
- Allowance for credit losses
- $10.4M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $887.8M
- Average total loans
- $705.0M
- Average interest-bearing deposits
- $534.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1833
- Fed RSSD
- 345747
- SEC CIK
- 2144080 → filed by LIZTON FINANCIAL CORPORATION
- Website
- www.statebank1910.bank →
- Parent Holding Company
- LIZTON FINANCIAL CORPORATION (RSSD 1129618)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, State Bank's total assets ranged from $802.3M (Q3 2023) to $916.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$916.1M total assets against $855.0M; $815.6M total liabilities against $784.8M.
$699.4M net loans and leases against $648.0M; $764.1M total deposits against $723.5M.
$86.2M securities against $102.9M; $76.3M cash and balances due against $50.9M.
$12.3M total interest income against $11.0M; $4.0M total interest expense against $4.0M.
$8.3M net interest income against $7.1M.
$978K total noninterest income against $885K; $6.1M total noninterest expense against $5.3M.
$247K provision for credit losses against $158K.
$2.4M net income against $2.0M.
1.07% return on assets against 0.96%; 3.94% net interest margin against 3.50%.
11.90% tier 1 leverage ratio against 9.17%.
Inside the full State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
State Bank rankings
Its closest position to the top of a national ranking is 1,117 of 4,196, for total assets; its furthest is 2,759 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.68% (Q3 2024) to 1.08% (Q3 2025) and its net interest margin ran from 3.11% (Q3 2024) to 4.05% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.90% | 1.07% | 0.13% | 0.86% | 3.94% |
| Q1 2026 | 9.49% | 1.07% | 0.13% | 1.05% | 4.05% |
| Q4 2025 | 9.13% | 0.93% | 0.88% | 7.39% | 3.89% |
| Q3 2025 | 9.25% | 1.08% | 0.19% | 1.61% | 3.89% |
| Q2 2025 | 9.17% | 0.96% | 0.27% | 2.29% | 3.50% |
| Q1 2025 | 9.14% | 0.84% | 0.29% | 2.44% | 3.45% |
| Q4 2024 | 8.96% | 0.98% | 0.11% | 0.99% | 3.38% |
| Q3 2024 | 8.75% | 0.68% | 0.07% | 0.58% | 3.11% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| State Bank (main office) | Brownsburg , IN | 46112 | $217.1M |
| Lebanon in Branch | Lebanon , IN | 46052 | $103.1M |
| Lebanon Branch | Lebanon , IN | 46052 | $80.1M |
| Avon Branch | Avon , IN | 46123 | $78.4M |
| Lizton Branch | Lizton , IN | 46149 | $63.9M |
| Pittsboro Branch | Pittsboro , IN | 46167 | $61.5M |
| Zionsville - Marketplace at Anson Branch | Zionsville , IN | 46077 | $57.7M |
| Carmel Branch | Carmel , IN | 46033 | $52.3M |
| Lafayette Branch | Lafayette , IN | 47909 | $31.2M |
| Plainfield Branch | Plainfield , IN | 46168 | $18.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 22, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 22, 2016 | Structure Change | Acquired Indiana Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IN, rank 40 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 69 applications, 39 loans originated, $14.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $175K approved, $88K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about State Bank
What are State Bank's total assets?
As of the Q2 2026 filing, State Bank reported total assets of $916.1 million in its FFIEC call report.
Where is State Bank headquartered?
It is headquartered in Brownsburg, IN, United States.
When was State Bank founded?
It was established in 1910, per the FDIC institution directory.
Is State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1833). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank?
State Bank's primary federal regulator is the FDIC.
How many branches does State Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank's Texas Ratio?
Its Texas Ratio is 0.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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