State Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
State Bank & Trust Company is an FDIC-insured commercial bank headquartered in Golden Meadow, LA, established in 1953 (FDIC certificate 17169), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $165.1M, up 9.9% from Q2 2025, the 81st largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 14.35% 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
- 17169
- Headquarters
- Golden Meadow, LA
- Established
- 1953
- Total assets, Q2 2026
- $165.1M
- Assets vs Q2 2025
- +9.9%
- CET1 ratio, Q2 2026
- 14.35%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 065404735
- Latest call report
- Q2 2026, FFIEC 041 · State Bank & Trust Company call report
- Holding company
- SBT BANCSHARES, INC.
- Asset rank in state
- 81st of 102 in Louisiana
State Bank & Trust Company, based in Golden Meadow, Louisiana, reported $165 million in assets at June 30, 2026, up 9.9% from a year earlier. It grew its loan book 19.1% over the year, 3.5 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also returns 19.3% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Earnings jumped: net income for the quarter was $653,000, 61% above the same quarter a year earlier. Over the same year, loans grew 19.1% and deposits grew 9.9%.
As of June 30, 2026, State Bank & Trust Company reported a CET1 capital ratio of 14.35%, a return on assets of 1.62%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 3.51%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank & Trust Company is the 81st largest of the 102 banks headquartered in Louisiana. From Q1 2026 to Q2 2026, its total assets rose 6.3% to $165.1M, loans rose 14.6% and deposits rose 6.9%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 26.5% of total loans, followed by owner-occupied commercial real estate loans at 23.3%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in LA; its Golden Meadow office books 46% of its branch deposits. Judged on its Q2 2026 call report, State Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 176 Washington Street, Golden Meadow, LA 70357
- County
- Lafourche
- Metro Area
- Houma-Bayou Cane-Thibodaux, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 16, 1953
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $145.3M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$24K
- Average total assets
- $160.9M
- Average total loans
- $110.0M
- Average interest-bearing deposits
- $97.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 16, 1953
- FDIC Cert
- 17169
- Fed RSSD
- 485139
- SEC CIK
- 1662087 → filed by SBT BANCSHARES, INC.
- Website
- www.sbtcajun.com →
- Parent Holding Company
- SBT BANCSHARES, INC. (RSSD 2145950)
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 Company's total assets moved between a low of $140.5M (Q1 2024) and a high of $165.1M (Q2 2026) 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
$165.1M total assets against $150.2M; $151.3M total liabilities against $138.4M.
$114.4M net loans and leases against $95.9M; $145.3M total deposits against $132.2M.
$38.2M securities against $41.5M; $6.5M cash and balances due against $6.6M.
$2.2M total interest income against $2.0M; $597K total interest expense against $602K.
$1.6M net interest income against $1.4M.
$153K total noninterest income against $89K; $1.1M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$653K net income against $406K.
1.62% return on assets against 1.09%; 4.09% net interest margin against 3.81%.
14.35% CET1 capital ratio against 15.21%; 10.63% tier 1 leverage ratio against 10.66%.
Inside the full State Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeState Bank & Trust Company rankings
Its closest position to the top of a national ranking is 1,056 of 3,611, for ROA; its furthest is 3,188 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.87% (Q1 2025) to 1.62% (Q2 2026) and its net interest margin ran from 3.65% (Q1 2025) to 4.09% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.35% | 1.62% | 0.46% | 3.51% | 4.09% |
| Q1 2026 | 15.76% | 1.37% | 0.53% | 3.65% | 3.92% |
| Q4 2025 | 15.44% | 1.22% | 0.50% | 3.43% | 3.88% |
| Q3 2025 | 16.07% | 1.05% | 0.64% | 4.31% | 3.88% |
| Q2 2025 | 15.21% | 1.09% | 0.64% | 4.73% | 3.81% |
| Q1 2025 | 15.69% | 0.87% | 0.72% | 5.24% | 3.65% |
| Q4 2024 | 17.24% | 1.16% | 0.73% | 4.89% | 3.84% |
| Q3 2024 | 17.16% | 0.95% | 0.00% | 0.00% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 Company (main office) | Golden Meadow , LA | 70357 | $67.0M |
| Cut Off Branch | Cut Off , LA | 70345 | $36.3M |
| Mathews Office Branch | Mathews , LA | 70375 | $29.1M |
| Larose Branch | Larose , LA | 70373 | $12.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in LA, rank 92 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 24 applications, 22 loans originated, $4.5M originated, across 1 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $595K approved, $298K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Company
What are State Bank & Trust Company's total assets?
As of the Q2 2026 filing, State Bank & Trust Company reported total assets of $165.1 million in its FFIEC call report.
Where is State Bank & Trust Company headquartered?
It is headquartered in Golden Meadow, LA, United States.
When was State Bank & Trust Company founded?
It was established in 1953, per the FDIC institution directory.
Is State Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17169). 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 Company?
State Bank & Trust Company's primary federal regulator is the FDIC.
What is State Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.35% 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 Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 3.51% 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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