The State Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 3.52 percentage points in Q2 2026, from 46.28% to 49.80%. It was the largest change from Q1 2026 among the key lines here. The State Bank and Trust Company ranks 64th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 85.51% (Q2 2026). The State Bank and Trust Company reported 85.51% on loan-to-deposit ratio for Q2 2026, 2.69 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.20B |
| Net loans and leases | $1.18B |
| Loans held for sale | $7.4M |
| Loans to total assets | 74.23% |
| Loan-to-deposit ratio | 85.51% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.45% |
| Multifamily (5+ residential) | 7.55% |
| Commercial and industrial | 8.46% |
| Consumer | 1.47% |
| Credit cards | 0.14% |
| Farm | 4.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 224.89% |
| Construction concentration (Tier 1 capital + allowance) | 49.80% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.09% |
| Interest income on loans | $17.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $992.2M | $1.09B | 31.00% | 10.80% | 1.68% |
| Q4 2023 | $1.00B | $1.09B | 30.39% | 11.42% | 1.62% |
| Q1 2024 | $996.3M | $1.12B | 30.86% | 10.81% | 1.57% |
| Q2 2024 | $1.01B | $1.12B | 30.44% | 10.97% | 1.48% |
| Q3 2024 | $1.04B | $1.17B | 29.75% | 10.72% | 1.37% |
| Q4 2024 | $1.05B | $1.16B | 30.26% | 10.77% | 1.30% |
| Q1 2025 | $1.09B | $1.28B | 29.76% | 10.46% | 1.39% |
| Q2 2025 | $1.11B | $1.25B | 29.03% | 9.71% | 1.52% |
| Q3 2025 | $1.12B | $1.27B | 29.05% | 9.55% | 1.59% |
| Q4 2025 | $1.18B | $1.32B | 30.21% | 8.78% | 1.49% |
| Q1 2026 | $1.19B | $1.38B | 30.51% | 8.59% | 1.53% |
| Q2 2026 | $1.20B | $1.40B | 30.45% | 8.46% | 1.47% |
The State Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank and Trust Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13339) · FFIEC NIC profile (RSSD 614313)