BlastPoint's Banking Scorecard
The State Bank and Trust Company
Designations: ✓ Community bank
Defiance, OH
29 branches across OH · IN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
- Deposits +11.7% year over year ($1.4B on the books).
- Delinquency rate 0.30%.
- Return on assets 1.17%.
- Efficiency ratio 65.30% vs a 59.73% peer average.
- Loan-to-deposit ratio 84.34% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The State Bank and Trust Company has 1 strength but faces 3 concerns
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 0.22% below tier average
- - Net Interest Margin 0.25% below tier average
- - Efficiency Ratio 5.58% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+9.1% YoY
+0.9% QoQ
|
-$1.2B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$1.2B
+8.1% YoY
+0.7% QoQ
|
-$782.6M |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$1.4B
+11.7% YoY
+1.3% QoQ
|
-$919.0M |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
42% |
| Return on Assets ? |
1.17%
+19.1% YoY
-1.5% QoQ
|
-0.22% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.62%
-1.0% YoY
+0.1% QoQ
|
-0.25% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
65.30%
-5.7% YoY
+0.6% QoQ
|
+5.58% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
0.30%
-43.6% YoY
-6.3% QoQ
|
-0.56% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
84.34%
-3.2% YoY
-0.5% QoQ
|
-0.69% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
19.09%
-2.2% YoY
+1.9% QoQ
|
-2.19% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.28%
-30.7% YoY
-5.4% QoQ
|
-0.40% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
12.37%
-1.2% YoY
+1.3% QoQ
|
-2.47% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.55%
-2.8% YoY
+100.6% QoQ
|
+0.02% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
83% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.1%
-0.4pp YoY +0.4pp QoQ |
-2.3pp | 21.4% | 18.8% | 22.2% | 46% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-9.5pp | 9.5% | 7.7% | 8.5% | 0% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.6%
-1.3pp YoY -0.1pp QoQ |
-5.4pp | 14.0% | 10.2% | 12.5% | 38% |
| CRE |
46.1%
+3.8pp YoY +0.4pp QoQ |
-4.0pp | 50.0% | 34.2% | 41.4% | 39% |
| 1-4 Family |
37.6%
-3.5pp YoY -0.4pp QoQ |
+11.2pp | 26.4% | 50.0% | 31.3% | 78% |
| Consumer |
1.5%
-0.1pp YoY -0.1pp QoQ |
-3.2pp | 4.7% | 4.7% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
-0.2pp YoY +0.2pp QoQ |
-3.2pp | 15.6% | 22.1% | 19.7% | 31% |
| Leverage Ratio |
10.0%
-0.2pp YoY +0.1pp QoQ |
-1.3pp | 11.3% | 12.9% | 12.6% | 36% |
| Total Capital Ratio |
13.6%
-0.2pp YoY +0.2pp QoQ |
-3.1pp | 16.7% | 23.2% | 20.8% | 32% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
252
+4 (+1.6%) YoY +2 (+0.8%) QoQ |
-62 | 313 | 2,433 | 482 | 56% |
| Assets per Employee ($) |
$6.4M
+7.4% YoY +0.1% QoQ |
-$4.1M | $10.5M | $7.6M | $8.8M | 16% |
| Branch Count |
29
+1 (+3.6%) YoY 0 QoQ |
+9 | 20 | 81 | 18 | 81% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 0.6% | 1.0% | 32% |
| Allowance Coverage |
4.58x
+71.8% YoY +5.9% QoQ |
-14.13x | 18.71x | 18.95x | 20.23x | 76% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
+2.0pp YoY -0.2pp QoQ |
-1.1pp | 12.6% | 9.7% | 11.6% | 45% |
| Cost of Funds (YTD) |
1.8%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.7% | 1.7% | 41% |
| Net Income ($, YTD) |
$9.3M
+30.3% YoY — QoQ |
-$10.0M | $19.2M | $259.3M | $40.4M | 36% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.