State Bank & 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.38 percentage points higher than in Q1 2026, at 79.80%. State Bank & Trust Company ranks 33rd of 103 Louisiana banks on return on assets, in the upper half at 1.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. State Bank & Trust Company sits 0.37 points higher, at 1.62% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.35% |
| Tier 1 risk-based capital ratio | 14.35% |
| Total risk-based capital ratio | 15.59% |
| Tier 1 leverage ratio | 10.63% |
| Equity capital to assets | 8.33% |
| Tangible equity to tangible assets | 8.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 3.51% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 276.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.62% |
| Return on equity | 19.26% |
| Net interest margin | 4.09% |
| Efficiency ratio | 62.70% |
| Yield on earning assets | 5.59% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.80% |
| Core deposits to total deposits | 81.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.98% |
| Securities to assets | 23.13% |
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 | 17.41% | 17.41% | 18.67% | 10.72% | 0.62% |
| Q4 2023 | 16.99% | 16.99% | 18.25% | 11.21% | 0.75% |
| Q1 2024 | 17.02% | 17.02% | 18.27% | 11.22% | 0.73% |
| Q2 2024 | 17.13% | 17.13% | 18.39% | 11.30% | 1.06% |
| Q3 2024 | 17.16% | 17.16% | 18.42% | 11.32% | 0.95% |
| Q4 2024 | 17.24% | 17.24% | 18.49% | 11.46% | 1.16% |
| Q1 2025 | 15.69% | 15.69% | 16.94% | 10.47% | 0.87% |
| Q2 2025 | 15.21% | 15.21% | 16.47% | 10.66% | 1.09% |
| Q3 2025 | 16.07% | 16.07% | 17.32% | 10.61% | 1.05% |
| Q4 2025 | 15.44% | 15.44% | 16.69% | 10.54% | 1.22% |
| Q1 2026 | 15.76% | 15.76% | 17.02% | 11.00% | 1.37% |
| Q2 2026 | 14.35% | 14.35% | 15.59% | 10.63% | 1.62% |
State Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank & 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 State Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17169) · FFIEC NIC profile (RSSD 485139)