BlastPoint's Banking Scorecard

State Bank & Trust Company

$100M-$1B Specialty: Commercial LA FDIC cert 17169

Golden Meadow, LA

4 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

State Bank & Trust Company has 3 strengths but faces 1 concern

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

+ ROA 0.10% above tier average
+ Net Interest Margin 0.12% above tier average
+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 2.04% above tier average

Get updates when State Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$155.3M +3.8% YoY +2.5% QoQ	-$230.8M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$99.7M +9.5% YoY +2.4% QoQ	-$156.0M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$135.9M +2.9% YoY +2.5% QoQ	-$192.1M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	1.37% +56.7% YoY +28.6% QoQ	+0.10%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	4.05% +4.7% YoY +0.8% QoQ	+0.12%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	67.33% -13.1% YoY -9.1% QoQ	+2.04%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	39%
Delinquency Rate ?	0.54% -25.8% YoY +6.5% QoQ	-0.34%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	43%
Loan-to-Deposit Ratio ?	73.34% +6.4% YoY -0.1% QoQ	-3.30%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	30.79% +9.4% YoY +4.4% QoQ	+8.77%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.35% -21.7% YoY +6.4% QoQ	-0.29%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	15.76% +0.5% YoY +2.1% QoQ	-0.07%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.09% +48.2% YoY -71.1% QoQ	-0.19%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	47%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

433

Non-Interest-Bearing Deposit Share

funding

Value: 30.79%

Peer Median: 22.02%

#433 of 2664 Top 16.2% in $100M-$1B

Top Weaknesses (3 metrics)

2246

Total Assets

size

Value: $155.29M

Peer Median: $386.08M

#2246 of 2664 Bottom 15.7% in $100M-$1B

2211

Total Deposits

size

Value: $135.89M

Peer Median: $327.97M

#2211 of 2664 Bottom 17.0% in $100M-$1B

2143

Total Loans

size

Value: $99.67M

Peer Median: $255.72M

#2143 of 2664 Bottom 19.6% in $100M-$1B