BlastPoint's Banking Scorecard
State Bank & Trust
Winfield, AL
5 branches across AL
State Bank & Trust has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.30% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 36.0% in tier
- - ROA 0.39% below tier average
- - Net Interest Margin 0.72% below tier average
- - Efficiency Ratio 4.11% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$407.1M
+5.6% YoY
+2.7% QoQ
|
+$21.0M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$265.6M
+31.3% YoY
+7.2% QoQ
|
+$9.9M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$363.4M
+12.0% YoY
+4.9% QoQ
|
+$35.4M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
65% |
| Return on Assets ? |
0.88%
+37.4% YoY
+26.5% QoQ
|
-0.39% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
3.21%
+23.0% YoY
+8.5% QoQ
|
-0.72% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
69.39%
-4.1% YoY
+13.5% QoQ
|
+4.11% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
0.58%
-29.1% YoY
+4.9% QoQ
|
-0.30% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
73.09%
+17.2% YoY
+2.2% QoQ
|
-3.55% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
12.03%
-3.4% YoY
-6.3% QoQ
|
-9.99% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.9% in tier |
| Nonperforming Asset Ratio ? |
0.50%
+16.8% YoY
+6.2% QoQ
|
-0.13% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
9.05%
+0.0% YoY
-2.0% QoQ
|
-6.78% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.1% in tier |
| Non-Interest Income / Assets ? |
0.08%
+5.8% YoY
-90.5% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
37% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.