The State Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
The State Bank and Trust Company is an FDIC-insured commercial bank headquartered in Defiance, OH, established in 1902 (FDIC certificate 13339), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.61B, up 9.1% from Q2 2025, the 22nd largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 12.37% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13339
- Headquarters
- Defiance, OH
- Established
- 1902
- Total assets, Q2 2026
- $1.61B
- Assets vs Q2 2025
- +9.1%
- CET1 ratio, Q2 2026
- 12.37%
- Domestic offices
- 29 FDIC institution directory, current count
- Routing number
- 041203594
- Latest call report
- Q2 2026, FFIEC 041 · The State Bank and Trust Company call report
- Holding company
- SB FINANCIAL GROUP INC
- Asset rank in state
- 22nd of 154 in Ohio
Little in The State Bank and Trust Company's latest call report stands out. Based in Defiance, Ohio, it had $1.6 billion in assets at June 30, 2026, up 9.1% from a year earlier. On most measures it sits near the middle of the 895 banks with $1 billion to $10 billion in assets.
Unrealized losses on its securities total $28 million, equal to 17% of Tier 1 capital, against 21% a year earlier. Deposits are coming in faster than loans: over the year loans rose 8.1% and deposits rose 11.7%.
As of June 30, 2026, The State Bank and Trust Company reported a CET1 capital ratio of 12.37%, a return on assets of 1.13%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.12%. The figures come from its call report filed with the FFIEC.
The State Bank and Trust Company ranks as the 22nd largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.9% to $1.61B, loans rose 0.7% and deposits rose 1.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.4%. The FDIC Summary of Deposits lists 29 offices for it, in 23 cities across 2 states; its Defiance 3 offices book 25% of its branch deposits. By the capital ratios in its Q2 2026 call report, The State Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 401 Clinton St, Defiance, OH 43512
- County
- Defiance
- Metro Area
- Defiance, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 28, 1902
- Former names
- The State Bank and Trust Company (2013); State Bank (2013)
- Domestic offices
- 29 FDIC institution directory, current count
- Employees (FTE)
- 252
- Domestic deposits
- $1.40B
- Allowance for credit losses
- $16.4M
- Net charge-offs (YTD)
- $219K
- Average total assets
- $1.64B
- Average total loans
- $1.16B
- Average interest-bearing deposits
- $1.12B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13339
- Fed RSSD
- 614313
- SEC CIK
- 767405 → filed by SB FINANCIAL GROUP INC
- Website
- www.yourstatebank.com →
- Parent Holding Company
- SB FINANCIAL GROUP INC (RSSD 1071454) · SBFG
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Mark A Klein | CEO | CHAIRMAN, PRESIDENT, CEO |
| Cosentino Anthony Van | CFO | EVP & CFO |
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The State Bank and Trust Company's total assets ranged from $1.32B (Q3 2023) to $1.61B (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
$1.61B total assets against $1.48B; $1.45B total liabilities against $1.32B.
$1.18B net loans and leases against $1.09B; $1.40B total deposits against $1.25B.
$179.0M securities against $195.5M; $137.1M cash and balances due against $77.9M.
$19.8M total interest income against $18.4M; $6.5M total interest expense against $6.0M.
$13.3M net interest income against $12.5M.
$4.5M total noninterest income against $4.6M; $11.7M total noninterest expense against $11.3M.
$299K provision for credit losses against $597K.
$4.6M net income against $4.1M.
1.13% return on assets against 1.07%; 3.59% net interest margin against 3.55%.
12.37% CET1 capital ratio against 12.53%; 10.00% tier 1 leverage ratio against 10.15%.
Inside the full The State Bank and Trust Company 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.
The State Bank and Trust Company rankings
Its closest position to the top of a national ranking is 689 of 4,196, for total assets; its furthest is 1,593 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.72% (Q3 2024) to 1.19% (Q4 2025) and its net interest margin ran from 3.25% (Q3 2024) to 3.61% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.37% | 1.13% | 0.30% | 2.12% | 3.59% |
| Q1 2026 | 12.21% | 1.16% | 0.32% | 2.40% | 3.58% |
| Q4 2025 | 11.78% | 1.19% | 0.39% | 2.14% | 3.61% |
| Q3 2025 | 12.48% | 1.07% | 0.41% | 2.17% | 3.60% |
| Q2 2025 | 12.53% | 1.07% | 0.53% | 3.14% | 3.55% |
| Q1 2025 | 12.35% | 0.81% | 0.55% | 4.41% | 3.38% |
| Q4 2024 | 13.43% | 1.17% | 0.52% | 3.91% | 3.42% |
| Q3 2024 | 13.19% | 0.72% | 0.53% | 3.88% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View all 29 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 |
|---|---|---|---|
| The State Bank and Trust Company | Defiance , OH | 43512 | $321.9M |
| Wauseon Banking Center Branch | Wauseon , OH | 43567 | $116.9M |
| Dublin Banking Center Branch | Dublin , OH | 43017 | $116.2M |
| Paulding Banking Center Branch | Paulding , OH | 45879 | $100.3M |
| Bryan Banking Center Branch | Bryan , OH | 43506 | $80.4M |
| Market St Branch | Lima , OH | 45805 | $63.1M |
| Edon Banking Center Branch | Edon , OH | 43518 | $57.4M |
| East Main Street Branch | Montpelier , OH | 43543 | $48.0M |
| Sylvania Branch | Sylvania , OH | 43560 | $43.5M |
| Pioneer Banking Center Branch | Pioneer , OH | 43554 | $42.1M |
| Oakwood Branch | Oakwood , OH | 45873 | $40.3M |
| Marblehead Branch | Marblehead , OH | 43440 | $38.4M |
| Fort Wayne Branch | Fort Wayne , IN | 46845 | $37.3M |
| Bowling Green Banking Center | Bowling Green , OH | 43402 | $35.1M |
| Northtowne Branch | Defiance , OH | 43512 | $34.7M |
| Luckey Branch | Luckey , OH | 43443 | $30.0M |
| Lyons Branch | Lyons , OH | 43533 | $29.5M |
| Perrysburg Branch | Perrysburg , OH | 43551 | $27.2M |
| Walbridge Branch | Walbridge , OH | 43465 | $26.4M |
| Delta Branch | Delta , OH | 43515 | $25.1M |
| Findlay Banking Center, Lincoln Branch | Findlay , OH | 45840 | $23.3M |
| Edgerton Banking Center Branch | Edgerton , OH | 43517 | $20.7M |
| Angola Banking Center Branch | Angola , IN | 46703 | $11.4M |
| Napoleon Banking Center Branch | Napoleon , OH | 43545 | $11.1M |
| Findlay Banking Center, Main Branch | Findlay , OH | 45840 | $10.5M |
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 |
|---|---|---|---|
| January 18, 2025 | M&A | Acquired The Marblehead Bank merger for the acquired bank | SEC |
| January 18, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 18, 2025 | Structure Change | Acquired The Marblehead Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 6, 2020 | M&A | Acquired The Edon State Bank Company of Edon, Ohio merger for the acquired bank | SEC |
| June 6, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 6, 2020 | Structure Change | Acquired The Edon State Bank Company of Edon, Ohio Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 21, 2014 | M&A | Acquired Rurban Investment Inc merger for the acquired bank | SEC |
| February 21, 2014 | Structure Change | Acquired Rurban Investment Inc Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2008 | M&A | Acquired National Bank of Montpelier merger for the acquired bank | SEC |
| December 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2008 | Structure Change | Acquired National Bank of Montpelier Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 24, 2007 | M&A | Acquired The Exchange Bank merger for the acquired bank | SEC |
| March 24, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2007 | Structure Change | Acquired The Exchange Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 4, 2002 | M&A | Acquired The Oakwood Deposit Bank Company failure_government_assistance_provided for the acquired bank | SEC |
| February 4, 2002 | Structure Change | Acquired The Oakwood Deposit Bank Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 1, 2002 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 1, 1966 | M&A | Acquired Ney State Bank merger for the acquired bank | SEC |
| July 1, 1966 | Structure Change | Acquired Ney State 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 19 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- December 15, 2011, Federal Reserve: Civil Money Penalty, $9,340: State Bank and Trust Company, Defiance, Ohio
- Period: Most recent institution action December 15, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OH, rank 29 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,876 applications, 1,380 loans originated, $379.2M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $4.2M approved, $1.0M 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
- 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 The State Bank and Trust Company
What are The State Bank and Trust Company's total assets?
As of the Q2 2026 filing, The State Bank and Trust Company reported total assets of $1.61 billion in its FFIEC call report.
Where is The State Bank and Trust Company headquartered?
It is headquartered in Defiance, OH, United States.
When was The State Bank and Trust Company founded?
It was established in 1902, per the FDIC institution directory.
Is The State Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13339). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The State Bank and Trust Company?
The State Bank and Trust Company's primary federal regulator is the Federal Reserve.
What is The State Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.37% in its Q2 2026 call report, above regulatory requirements.
How many branches does The State Bank and Trust Company operate?
It operates 29 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The State Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 2.12% 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.
What was The State Bank and Trust Company previously called?
The charter now named The State Bank and Trust Company has also operated as The State Bank and Trust Company (2013), State Bank (2013), per FDIC structure-change records.
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