State Bank and Trust Company, the
State Bank and Trust Company, the completed a merger involving an acquired institution in January 2025. State Bank and Trust Company, the is a community bank chartered in 1902, based in Defiance, OH. State Bank and Trust Company, the's Q1 2026 balance sheet shows $1.6B in assets funded primarily by $1.4B in customer deposits. Earnings are mid-range — 1.16% ROA and a 3.58% net interest margin. Regulatory capital is solid — 12.21% CET1 and 13.47% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.32%. Its footprint covers 29 branches concentrated in Ohio.
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
- FED
- Fed District
- 9
- Established
- March 28, 1902
- Branches
- 29 domestic
- Employees (FTE)
- 250
- FDIC Cert
- 13339
- Fed RSSD
- 614313
- Website
- www.yourstatebank.com →
- Parent Holding Company
- SB FINANCIAL GROUP INC (RSSD 1071454)
Management
Senior officers at parent holding company — SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Cosentino Anthony Van | CFO | EVP & CFO |
| Klein Mark A | CHR | CHAIRMAN, PRESIDENT, CEO |
| Homoelle David A. | PRES | REGIONAL PRESIDENT OF SUBSIDIA |
Capital & Liquidity
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State Bank and Trust Company, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- MergerParticipated in FDIC Assisted MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events.
Similar banks
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Frequently asked about State Bank and Trust Company, the
What are State Bank and Trust Company, the's total assets?
As of the Q1 2026 filing, State Bank and Trust Company, the reported total assets of $1.60 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Bank and Trust Company, the headquartered?
State Bank and Trust Company, the is headquartered in DEFIANCE, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Bank and Trust Company, the founded?
State Bank and Trust Company, the was established in 1902, per the FDIC institution directory.
Is State Bank and Trust Company, the FDIC-insured?
Yes. State Bank and Trust Company, the 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 State Bank and Trust Company, the?
State Bank and Trust Company, the's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is State Bank and Trust Company, the's CET1 capital ratio?
State Bank and Trust Company, the reported a Common Equity Tier 1 (CET1) capital ratio of 12.21% in its most recent quarterly filing — above regulatory minimums.
How many branches does State Bank and Trust Company, the operate?
State Bank and Trust Company, the operates 29 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is State Bank and Trust Company, the's Texas Ratio?
State Bank and Trust Company, the's Texas Ratio is 3.09% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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