BlastPoint's Banking Scorecard

The State Bank and Trust Company

$1B-$10B Specialty: Commercial OH FDIC cert 13339

Designations: ✓ Community bank

Defiance, OH

29 branches across OH · IN

884 banks in the $1B-$10B peer group nationally 28 in OH

The State Bank and Trust Company has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- ROA 0.18% below tier average
- Net Interest Margin 0.20% below tier average
- Efficiency Ratio 3.83% above tier average

Get updates when The State Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$1.6B +7.1% YoY +3.9% QoQ	-$1.2B	$2.8B -0.1% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$1.2B +8.8% YoY +0.5% QoQ	-$792.9M	$2.0B +0.6% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	42%
Total Deposits ?	$1.4B +8.1% YoY +4.9% QoQ	-$960.8M	$2.3B -0.3% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	1.19% +40.3% YoY +10.5% QoQ	-0.18%	1.37% +19.6% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	3.62% +1.4% YoY -2.3% QoQ	-0.20%	3.82% +6.9% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	49%
Efficiency Ratio ?	64.89% -10.3% YoY -4.0% QoQ	+3.83%	61.06% -4.6% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	0.32% -42.4% YoY -17.6% QoQ	-0.56%	0.89% +14.1% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	84.77% +0.7% YoY -4.2% QoQ	+0.57%	84.20% +0.3% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	18.72% -3.6% YoY -6.6% QoQ	-2.57%	21.29% -2.5% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	0.29% -28.1% YoY -2.2% QoQ	-0.38%	0.67% +15.6% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	12.21% -1.1% YoY +3.7% QoQ	-2.95%	15.16% +2.0% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.27% +8.4% YoY -73.7% QoQ	+0.02%	0.26% +1.6% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	83%

Get Full Access to The State Bank and Trust Company

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

147

Non-Interest Income / Assets

revenue_mix

Value: 0.27%

Peer Median: 0.26%

#147 of 884 Top 16.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available