The State Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 25.66 percentage points in Q2 2026, from 432.17% to 457.83%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The State Bank and Trust Company is 72nd of 156 on return on assets, 1.13% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. The State Bank and Trust Company sits 0.15 points lower, at 1.13% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.37% |
| Tier 1 risk-based capital ratio | 12.37% |
| Total risk-based capital ratio | 13.62% |
| Tier 1 leverage ratio | 10.00% |
| Equity capital to assets | 10.27% |
| Tangible equity to tangible assets | 8.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 2.86% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 457.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 11.30% |
| Net interest margin | 3.59% |
| Efficiency ratio | 65.58% |
| Yield on earning assets | 5.34% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.51% |
| Core deposits to total deposits | 95.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.81% |
| Securities to assets | 11.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.56% | 13.56% | 14.81% | 10.99% | 0.85% |
| Q4 2023 | 13.42% | 13.42% | 14.67% | 10.93% | 1.21% |
| Q1 2024 | 13.84% | 13.84% | 15.09% | 11.17% | 0.84% |
| Q2 2024 | 13.98% | 13.98% | 15.24% | 11.31% | 0.97% |
| Q3 2024 | 13.19% | 13.19% | 14.44% | 10.92% | 0.72% |
| Q4 2024 | 13.43% | 13.43% | 14.69% | 11.09% | 1.17% |
| Q1 2025 | 12.35% | 12.35% | 13.60% | 10.06% | 0.81% |
| Q2 2025 | 12.53% | 12.53% | 13.78% | 10.15% | 1.07% |
| Q3 2025 | 12.48% | 12.48% | 13.73% | 10.08% | 1.07% |
| Q4 2025 | 11.78% | 11.78% | 13.03% | 9.86% | 1.19% |
| Q1 2026 | 12.21% | 12.21% | 13.47% | 9.91% | 1.16% |
| Q2 2026 | 12.37% | 12.37% | 13.62% | 10.00% | 1.13% |
The State Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)