State Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank & Trust Company of Golden Meadow, LA against its peer group of 2603 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 | 1.62% | 1.34% | +0.28% | 70th above |
| ROAE | 19.26% | 13.32% | +5.94% | 85th top |
| Net Interest Margin | 4.09% | 3.93% | +0.16% | 58th above |
| Efficiency Ratio | 62.70% | 61.13% | +1.57% | 46th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.68% | -0.06% | 52nd above |
| Yield on Earning Assets | 5.59% | 5.67% | -0.08% | 49th below |
| Cost of Funds | 1.63% | 1.88% | -0.25% | 61st above |
| Net Interest Spread | 3.25% | 3.32% | -0.07% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.46% | 0.94% | -0.48% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.32% | 0.70% | -0.38% | 49th below |
| NCO / Avg Loans | -0.05% | 0.16% | -0.21% | 95th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 59th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 276.40% | 1546.34% | -1269.94% | 57th above |
| Texas Ratio | 3.51% | 7.34% | -3.83% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.35% | 19.49% | -5.14% | 42nd below |
| Tier 1 Ratio | 14.35% | 19.52% | -5.17% | 42nd below |
| Total Capital Ratio | 15.59% | 20.61% | -5.02% | 43rd below |
| Leverage Ratio | 10.63% | 12.14% | -1.51% | 44th below |
| Equity / Assets | 8.33% | 11.37% | -3.04% | 17th bottom |
| TCE / Tangible Assets | 8.33% | 11.08% | -2.75% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.80% | 80.66% | -0.86% | 52nd above |
| Core Deposit Ratio | 81.64% | 86.85% | -5.21% | 20th bottom |
| Wholesale Funding Ratio | 3.03% | 5.04% | -2.01% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.95% | 6.84% | +3.11% | 83rd top |
| Loan Growth (Y/Y) | 19.09% | 7.92% | +11.17% | 92nd top |
| Deposit Growth (Y/Y) | 9.90% | 6.29% | +3.61% | 82nd top |
See State Bank & Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank & 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 State Bank & Trust Company profile, how to read a UBPR, or how this data updates.