State Bank & Trust Co.: 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 dropped 2.89 percentage points in Q2 2026, from 111.16% to 108.27%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, State Bank & Trust Co. is 100th of 225 on return on assets, 1.48% as of Q2 2026, above the middle of the field. State Bank & Trust Co. reported 1.48% on return on assets for Q2 2026, 0.22 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.50% |
| Tier 1 risk-based capital ratio | 17.50% |
| Total risk-based capital ratio | 18.72% |
| Tier 1 leverage ratio | 11.03% |
| Equity capital to assets | 9.86% |
| Tangible equity to tangible assets | 9.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.27% |
| Non-performing assets ratio | 0.66% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.42% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 108.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.48% |
| Return on equity | 15.10% |
| Net interest margin | 3.26% |
| Efficiency ratio | 48.23% |
| Yield on earning assets | 4.38% |
| Cost of funds | 1.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.11% |
| Core deposits to total deposits | 97.41% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.22% |
| Securities to assets | 32.78% |
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 | 15.05% | 15.05% | 16.13% | 9.54% | 0.94% |
| Q4 2023 | 14.87% | 14.87% | 16.03% | 9.65% | 0.70% |
| Q1 2024 | 14.83% | 14.83% | 16.01% | 9.75% | 0.47% |
| Q2 2024 | 14.84% | 14.84% | 16.03% | 10.09% | 0.62% |
| Q3 2024 | 14.29% | 14.29% | 15.54% | 9.94% | 0.03% |
| Q4 2024 | 14.79% | 14.79% | 16.00% | 10.24% | 0.70% |
| Q1 2025 | 14.65% | 14.65% | 15.83% | 10.09% | 1.02% |
| Q2 2025 | 15.00% | 15.00% | 16.21% | 10.64% | 1.10% |
| Q3 2025 | 15.66% | 15.66% | 16.90% | 10.90% | 1.20% |
| Q4 2025 | 15.90% | 15.90% | 17.12% | 11.09% | 1.56% |
| Q1 2026 | 16.69% | 16.69% | 17.90% | 10.94% | 1.40% |
| Q2 2026 | 17.50% | 17.50% | 18.72% | 11.03% | 1.48% |
State Bank & Trust Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank & Trust Co., 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 State Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15651) · FFIEC NIC profile (RSSD 229342)