BlastPoint's Banking Scorecard
State Bank & Trust Co.
Nevada, IA
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +1.5% year over year ($174.3M on the books).
- Delinquency rate 1.32%.
- Return on assets 1.44%.
- Efficiency ratio 48.77% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.30% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank & Trust Co. has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.12% above tier average
- + Efficiency Ratio 15.71% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 45.6% in tier
- - Net Interest Margin 0.82% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$197.6M
+1.4% YoY
-0.6% QoQ
|
-$189.0M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$101.6M
-10.7% YoY
-4.0% QoQ
|
-$156.7M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$174.3M
+1.5% YoY
-0.1% QoQ
|
-$152.4M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
1.44%
+33.0% YoY
+2.5% QoQ
|
+0.12% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
3.17%
+15.8% YoY
+2.7% QoQ
|
-0.82% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 14.9% in tier |
| Efficiency Ratio ? |
48.77%
-8.2% YoY
-0.3% QoQ
|
-15.71% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 14.5% in tier |
| Delinquency Rate ? |
1.32%
+4.4% YoY
+2.0% QoQ
|
+0.40% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
58.30%
-12.0% YoY
-3.9% QoQ
|
-19.65% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
32.23%
+19.8% YoY
+4.8% QoQ
|
+10.20% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
Top 13.9% in tier |
| Nonperforming Asset Ratio ? |
0.68%
-15.4% YoY
-1.5% QoQ
|
+0.01% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
17.50%
+16.6% YoY
+4.9% QoQ
|
+1.59% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.19%
-3.7% YoY
+87.8% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
45% |
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
32.2%
+5.3pp YoY +1.5pp QoQ |
+10.1pp | 22.1% | 17.8% | 22.2% | 86% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.4%
-3.1pp YoY +0.6pp QoQ |
-1.1pp | 11.6% | 12.8% | 12.5% | 55% |
| CRE |
36.5%
0.0pp YoY -2.8pp QoQ |
-3.1pp | 39.5% | 28.3% | 41.4% | 46% |
| 1-4 Family |
24.5%
+2.5pp YoY -0.2pp QoQ |
-8.1pp | 32.6% | 23.0% | 31.3% | 40% |
| Consumer |
0.4%
-0.1pp YoY 0.0pp QoQ |
-3.7pp | 4.1% | 2.9% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.5%
+2.5pp YoY +0.8pp QoQ |
-1.3pp | 18.8% | 15.4% | 19.7% | 67% |
| Leverage Ratio |
11.0%
+0.4pp YoY +0.1pp QoQ |
-1.1pp | 12.2% | 12.4% | 12.6% | 51% |
| Total Capital Ratio |
18.7%
+2.5pp YoY +0.8pp QoQ |
-1.2pp | 19.9% | 16.5% | 20.8% | 66% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
-2 (-9.5%) YoY +1 (+5.6%) QoQ |
-40 | 58 | 64 | 482 | 9% |
| Assets per Employee ($) |
$10.4M
+12.0% YoY -5.8% QoQ |
+$2.9M | $7.5M | $8.9M | $8.8M | 88% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 33% |
| Nonaccrual |
1.3%
+0.1pp YoY 0.0pp QoQ |
+0.3pp | 0.9% | 1.0% | 1.0% | 78% |
| Allowance Coverage |
1.05x
-5.4% YoY -2.7% QoQ |
-23.10x | 24.15x | 18.97x | 20.23x | 28% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.7%
+2.3pp YoY +0.3pp QoQ |
+2.5pp | 12.2% | 12.8% | 11.6% | 66% |
| Cost of Funds (YTD) |
1.2%
-0.4pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.8% | 1.7% | 17% |
| Net Income ($, YTD) |
$1.4M
+32.9% YoY — QoQ |
-$1.1M | $2.6M | $4.0M | $40.4M | 40% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.