The State Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The State Bank and Trust Company of Defiance, OH against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.13% | 1.46% | -0.33% | 38th below |
| ROAE | 11.30% | 12.72% | -1.42% | 43rd below |
| Net Interest Margin | 3.59% | 3.85% | -0.26% | 41st below |
| Efficiency Ratio | 65.58% | 57.40% | +8.18% | 29th below |
| PPNR / Avg Assets | 1.48% | 1.88% | -0.40% | 36th below |
| Yield on Earning Assets | 5.34% | 5.72% | -0.38% | 38th below |
| Cost of Funds | 1.83% | 2.02% | -0.19% | 60th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.11% | 3.18% | -0.07% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 1.00% | -0.70% | 73rd above |
| NPA / Total Assets | 0.28% | 0.76% | -0.48% | 68th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 37th below |
| ACL / Total Loans | 1.37% | 1.31% | +0.06% | 77th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 457.83% | 543.41% | -85.58% | 80th top |
| Texas Ratio | 2.86% | 7.39% | -4.53% | 67th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 228.31% | 618.89% | -390.58% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.37% | 17.34% | -4.97% | 31st below |
| Tier 1 Ratio | 12.37% | 17.37% | -5.00% | 31st below |
| Total Capital Ratio | 13.62% | 18.42% | -4.80% | 33rd below |
| Leverage Ratio | 10.00% | 11.44% | -1.44% | 37th below |
| Equity / Assets | 10.27% | 11.34% | -1.07% | 48th below |
| TCE / Tangible Assets | 8.77% | 10.50% | -1.73% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.51% | 86.95% | -1.44% | 58th above |
| Core Deposit Ratio | 95.30% | 85.55% | +9.75% | 87th top |
| Uninsured Deposit Ratio | 26.55% | 33.13% | -6.58% | 66th above |
| Wholesale Funding Ratio | 1.84% | 5.71% | -3.87% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.14% | 9.68% | -0.54% | 73rd above |
| Loan Growth (Y/Y) | 8.08% | 8.06% | +0.02% | 64th above |
| Deposit Growth (Y/Y) | 11.69% | 7.87% | +3.82% | 80th top |
See The State Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The State Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The State Bank and Trust Company profile, how to read a UBPR, or how this data updates.