The State Bank and Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Defiance, The State Bank and Trust Company serves the Ohio market as a community-focused commercial bank. Total assets stand at $1.6B. Returns are in line with industry norms at 1.13% ROA and 11.30% ROE; net interest margin is 3.59%. Capital is comfortably above regulatory requirements, CET1 ratio of 12.37% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.30% NPLs and a 2.86% Texas Ratio. Its footprint covers 29 branches concentrated in Ohio.
As of June 30, 2026, The State Bank and Trust Company reported a CET1 capital ratio of 12.37%, a return on assets of 1.13%, a nonperforming-loan ratio of 0.30%, a Texas ratio of 2.86%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 401 Clinton St, Defiance, OH 43512
- County
- Defiance
- Metro Area
- Defiance, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 28, 1902
- Former names
- The State Bank and Trust Company (2013); State Bank (2013)
- Offices
- 29 domestic
- Employees (FTE)
- 252
- Domestic deposits
- $1.40B
- Allowance for credit losses
- $16.4M
- Net charge-offs (YTD)
- $219K
- Average total assets
- $1.64B
- Average total loans
- $1.16B
- Average interest-bearing deposits
- $1.12B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13339
- Fed RSSD
- 614313
- SEC CIK
- 767405 → filed by SB FINANCIAL GROUP INC
- Website
- www.yourstatebank.com →
- Parent Holding Company
- SB FINANCIAL GROUP INC (RSSD 1071454) · SBFG
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Klein Mark A | CEO | CHAIRMAN, PRESIDENT, CEO |
| Cosentino Anthony Van | CFO | EVP & CFO |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The State Bank and Trust Company terminal
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Unlock The State Bank and Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The State Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.37% | 1.13% | 0.30% | 2.86% | 3.59% |
| Q1 2026 | 12.21% | 1.16% | 0.32% | 3.09% | 3.58% |
| Q4 2025 | 11.78% | 1.19% | 0.39% | 3.13% | 3.61% |
| Q3 2025 | 12.48% | 1.07% | 0.41% | 3.20% | 3.60% |
| Q2 2025 | 12.53% | 1.07% | 0.56% | 4.36% | 3.55% |
| Q1 2025 | 12.35% | 0.81% | 0.59% | 4.68% | 3.38% |
| Q4 2024 | 13.43% | 1.17% | 0.57% | 4.28% | 3.42% |
| Q3 2024 | 13.19% | 0.72% | 0.58% | 4.25% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 29 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The State Bank and Trust Company | Defiance , OH | 43512 | $321.9M |
| Wauseon Banking Center Branch | Wauseon , OH | 43567 | $116.9M |
| Dublin Banking Center Branch | Dublin , OH | 43017 | $116.2M |
| Paulding Banking Center Branch | Paulding , OH | 45879 | $100.3M |
| Bryan Banking Center Branch | Bryan , OH | 43506 | $80.4M |
| Market St Branch | Lima , OH | 45805 | $63.1M |
| Edon Banking Center Branch | Edon , OH | 43518 | $57.4M |
| East Main Street Branch | Montpelier , OH | 43543 | $48.0M |
| Sylvania Branch | Sylvania , OH | 43560 | $43.5M |
| Pioneer Banking Center Branch | Pioneer , OH | 43554 | $42.1M |
| Oakwood Branch | Oakwood , OH | 45873 | $40.3M |
| Marblehead Branch | Marblehead , OH | 43440 | $38.4M |
| Fort Wayne Branch | Fort Wayne , IN | 46845 | $37.3M |
| Bowling Green Banking Center | Bowling Green , OH | 43402 | $35.1M |
| Northtowne Branch | Defiance , OH | 43512 | $34.7M |
| Luckey Branch | Luckey , OH | 43443 | $30.0M |
| Lyons Branch | Lyons , OH | 43533 | $29.5M |
| Perrysburg Branch | Perrysburg , OH | 43551 | $27.2M |
| Walbridge Branch | Walbridge , OH | 43465 | $26.4M |
| Delta Branch | Delta , OH | 43515 | $25.1M |
| Findlay Banking Center, Lincoln Branch | Findlay , OH | 45840 | $23.3M |
| Edgerton Banking Center Branch | Edgerton , OH | 43517 | $20.7M |
| Angola Banking Center Branch | Angola , IN | 46703 | $11.4M |
| Napoleon Banking Center Branch | Napoleon , OH | 43545 | $11.1M |
| Findlay Banking Center, Main Branch | Findlay , OH | 45840 | $10.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 18, 2025 | M&A | merger | SEC |
| January 18, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 18, 2025 | Structure Change | Acquired The Marblehead Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 6, 2020 | M&A | merger | SEC |
| June 6, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 6, 2020 | Structure Change | Acquired The Edon State Bank Company of Edon, Ohio Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 21, 2014 | M&A | merger | SEC |
| February 21, 2014 | Structure Change | Acquired Rurban Investment Inc Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2008 | M&A | merger | SEC |
| December 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2008 | Structure Change | Acquired National Bank of Montpelier Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 24, 2007 | M&A | merger | SEC |
| March 24, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2007 | Structure Change | Acquired The Exchange Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 4, 2002 | M&A | failure_government_assistance_provided | SEC |
| February 4, 2002 | Structure Change | Acquired The Oakwood Deposit Bank Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 1, 2002 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 1, 1966 | M&A | merger | SEC |
| July 1, 1966 | Structure Change | Acquired Ney State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 19 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for The State Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- December 15, 2011, Federal Reserve: Civil Money Penalty, $9,340: State Bank and Trust Company, Defiance, Ohio
- Period: Most recent institution action December 15, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OH, rank 29 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,876 applications, 1,380 loans originated, $379.2M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The State Bank and Trust Company
What are The State Bank and Trust Company's total assets?
As of the Q2 2026 filing, The State Bank and Trust Company reported total assets of $1.61 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The State Bank and Trust Company headquartered?
The State Bank and Trust Company is headquartered in Defiance, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The State Bank and Trust Company founded?
The State Bank and Trust Company was established in 1902, per the FDIC institution directory.
Is The State Bank and Trust Company FDIC-insured?
Yes. The State Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #13339). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The State Bank and Trust Company?
The State Bank and Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The State Bank and Trust Company's CET1 capital ratio?
The State Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.37% in its Q2 2026 call report, above regulatory requirements.
How many branches does The State Bank and Trust Company operate?
The State Bank and Trust Company operates 29 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The State Bank and Trust Company's Texas Ratio?
The State Bank and Trust Company's Texas Ratio is 2.86% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The State Bank and Trust Company previously called?
The charter now named The State Bank and Trust Company has also operated as The State Bank and Trust Company (2013), State Bank (2013), per FDIC structure-change records.
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