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State Bank & Trust

$100M-$1B Specialty: Commercial AL FDIC cert 861

Winfield, AL

5 branches across AL

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 63 in AL.
  • Deposits +8.3% year over year ($362.6M on the books).
  • Delinquency rate 0.52%.
  • Return on assets 0.89%.
  • Efficiency ratio 68.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.12% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

State Bank & Trust 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 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 35.2% in tier
  • - Net Interest Margin 0.71% below tier average
  • - Efficiency Ratio 4.46% above tier average
Get updates when State Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $413.0M
+11.9% YoY +1.5% QoQ
+$26.5M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $276.0M
+29.3% YoY +3.9% QoQ
+$17.6M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
63%
Total Deposits ? $362.6M
+8.3% YoY -0.2% QoQ
+$35.8M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 0.89%
-20.9% YoY +1.4% QoQ
-0.43% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
28%
Net Interest Margin ? 3.27%
+19.2% YoY +1.8% QoQ
-0.71% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
19%
Efficiency Ratio ? 68.94%
+27.1% YoY -0.6% QoQ
+4.46% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.52%
-40.2% YoY -11.5% QoQ
-0.40% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
45%
Loan-to-Deposit Ratio ? 76.12%
+19.4% YoY +4.1% QoQ
-1.84% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 12.39%
-0.8% YoY +2.9% QoQ
-9.64% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
16%
Nonperforming Asset Ratio ? 0.40%
-20.6% YoY -21.4% QoQ
-0.27% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 9.01%
-2.9% YoY -0.4% QoQ
-6.90% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 0.9% in tier
Non-Interest Income / Assets ? 0.15%
-78.4% YoY +94.6% QoQ
-0.42% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
35%

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 (AL) National Avg Tier Percentile
Noninterest-Bearing 12.4%
-0.1pp YoY
+0.4pp QoQ
 -9.8pp 22.1% 24.0% 22.2% 15%
Brokered Deposits 6.4%
-1.4pp YoY
+0.7pp QoQ
 -1.4pp 7.9% 5.5% 8.5% 60%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 15.8%
+1.0pp YoY
0.0pp QoQ
 +4.2pp 11.6% 16.9% 12.5% 79%
CRE 24.3%
-0.1pp QoQ
 -15.2pp 39.5% 43.5% 41.4% 25%
1-4 Family 51.6%
+0.7pp YoY
+0.3pp QoQ
 +19.0pp 32.6% 30.6% 31.3% 84%
Consumer 7.7%
-2.9pp YoY
-0.4pp QoQ
 +3.6pp 4.1% 5.7% 5.0% 88%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 9.0%
-0.3pp YoY
0.0pp QoQ
 -3.2pp 12.2% 13.2% 12.6% 12%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 61
+3 (+5.2%) YoY
+1 (+1.7%) QoQ
 +2 58 304 482 64%
Assets per Employee ($) $6.8M
+6.4% YoY
-0.2% QoQ
 -$747K $7.5M $6.9M $8.8M 48%
Branch Count 5
+1 (+25.0%) YoY
0 QoQ
 0 4 20 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 54%
Nonaccrual 0.4%
-0.5pp YoY
-0.1pp QoQ
 -0.5pp 0.9% 1.2% 1.0% 47%
Allowance Coverage 1.79x
+37.8% YoY
+1.2% QoQ
 -22.36x 24.15x 7.50x 20.23x 44%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.3pp QoQ
 +0.1pp 0.1% 0.3% 0.2% 87%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 16.4%
-10.6pp YoY
-0.1pp QoQ
 +4.2pp 12.2% 10.0% 11.6% 74%
Cost of Funds (YTD) 2.8%
-0.2pp YoY
0.0pp QoQ
 +1.1pp 1.7% 1.7% 1.7% 95%
Net Income ($, YTD) $1.8M
-14.9% YoY
— QoQ
 -$748K $2.6M $17.2M $40.4M 48%

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 (1)

Margin Compression

decline
#109 of 307 • Bottom 35.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.89%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2619
Tier 1 Capital Ratio
capital
Value: 9.01%
Peer Median: 15.91%
#2619 of 2643 Bottom 0.9% in $100M-$1B
2231
Non-Interest-Bearing Deposit Share
funding
Value: 12.39%
Peer Median: 22.03%
#2231 of 2643 Bottom 15.6% in $100M-$1B
2153
Net Interest Margin
profitability
Value: 3.27%
Peer Median: 3.99%
#2153 of 2643 Bottom 18.6% in $100M-$1B
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