State Bank & Trust Co.
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Data as of · sourced from FFIEC call reports. How we update
State Bank & Trust Co. is an FDIC-insured commercial bank headquartered in Nevada, IA, established in 1939 (FDIC certificate 15651), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $197.6M, up 1.4% from Q2 2025, the 143rd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 17.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15651
- Headquarters
- Nevada, IA
- Established
- 1939
- Total assets, Q2 2026
- $197.6M
- Assets vs Q2 2025
- +1.4%
- CET1 ratio, Q2 2026
- 17.50%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073921831
- Latest call report
- Q2 2026, FFIEC 041 · State Bank & Trust Co. call report
- Holding company
- AMES NATIONAL CORPORATION
- Asset rank in state
- 143rd of 225 in Iowa
State Bank & Trust Co., based in Nevada, Iowa, reported $198 million in assets at June 30, 2026, up 1.4% from a year earlier. It shrank its loan book 10.7% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $729,000, 34% above the same quarter a year earlier. Over the same year, loans shrank 10.7% and deposits grew 1.5%. Its margin is thin by comparison: it keeps 3.26 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, State Bank & Trust Co. reported a CET1 capital ratio of 17.50%, a return on assets of 1.48%, a nonperforming-loan ratio of 1.30% and a Texas ratio of 6.42%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, State Bank & Trust Co. is the 143rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $197.6M, loans fell 4.0% and deposits fell 0.1%. 1-4 family residential loans made up 24.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.6%. The FDIC Summary of Deposits lists a single office for it, in Nevada, IA. By the capital ratios in its Q2 2026 call report, State Bank & Trust Co. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1025 6th St, Nevada, IA 50201
- County
- Story
- Metro Area
- Ames, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- February 25, 1939
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $174.3M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $197.4M
- Average total loans
- $106.1M
- Average interest-bearing deposits
- $116.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 25, 1939
- FDIC Cert
- 15651
- Fed RSSD
- 229342
- SEC CIK
- 1132651 → filed by AMES NATIONAL CORPORATION
- Website
- www.banksbt.com →
- Parent Holding Company
- AMES NATIONAL CORPORATION (RSSD 1202258) · ATLO
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
State Bank & Trust Co.'s total assets moved between a low of $193.1M (Q3 2025) and a high of $204.9M (Q3 2023) from Q3 2023 to 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
$197.6M total assets against $194.9M; $178.1M total liabilities against $176.9M.
$101.6M net loans and leases against $113.8M; $174.3M total deposits against $171.8M.
$64.8M securities against $64.5M; $27.9M cash and balances due against $12.7M.
$2.1M total interest income against $2.0M; $544K total interest expense against $683K.
$1.6M net interest income against $1.3M.
$170K total noninterest income against $192K; $841K total noninterest expense against $787K.
-$58K provision for credit losses against $8K.
$729K net income against $545K.
1.48% return on assets against 1.10%; 3.26% net interest margin against 2.75%.
17.50% CET1 capital ratio against 15.00%; 11.03% tier 1 leverage ratio against 10.64%.
Inside the full State Bank & Trust Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeState Bank & Trust Co. rankings
Its closest position to the top of a national ranking is 641 of 3,606, for efficiency ratio; its furthest is 2,980 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.03% (Q3 2024) to 1.56% (Q4 2025) and its net interest margin ran from 2.17% (Q3 2024) to 3.26% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.50% | 1.48% | 1.30% | 6.42% | 3.26% |
| Q1 2026 | 16.69% | 1.40% | 1.28% | 6.64% | 3.04% |
| Q4 2025 | 15.90% | 1.56% | 1.31% | 7.53% | 3.02% |
| Q3 2025 | 15.66% | 1.20% | 1.11% | 6.73% | 2.89% |
| Q2 2025 | 15.00% | 1.10% | 1.25% | 7.96% | 2.75% |
| Q1 2025 | 14.65% | 1.02% | 1.50% | 9.09% | 2.55% |
| Q4 2024 | 14.79% | 0.70% | 1.36% | 8.39% | 2.31% |
| Q3 2024 | 14.29% | 0.03% | 1.76% | 10.29% | 2.17% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| State Bank & Trust Co. (main office) | Nevada , IA | 50201 | $174.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 150 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $487K approved, $244K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 State Bank & Trust Co.
What are State Bank & Trust Co.'s total assets?
As of the Q2 2026 filing, State Bank & Trust Co. reported total assets of $197.6 million in its FFIEC call report.
Where is State Bank & Trust Co. headquartered?
It is headquartered in Nevada, IA, United States.
When was State Bank & Trust Co. founded?
It was established in 1939, per the FDIC institution directory.
Is State Bank & Trust Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15651). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank & Trust Co.?
State Bank & Trust Co.'s primary federal regulator is the FDIC.
What is State Bank & Trust Co.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does State Bank & Trust Co. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank & Trust Co.'s Texas Ratio?
Its Texas Ratio is 6.42% 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.
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