BlastPoint's Banking Scorecard
The State Bank and Trust Company
Community
Specialty: Commercial
OH
FDIC cert 13339
Defiance, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The State Bank and Trust Company shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+12.2% YoY
+3.3% QoQ
|
+$145.4M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$1.2B
+12.3% YoY
+6.1% QoQ
|
+$190.8M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.3B
+13.8% YoY
+3.9% QoQ
|
+$152.9M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.08%
+12.3% YoY
+4.8% QoQ
|
-0.09% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.71%
+10.4% YoY
+0.3% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
67.57%
-6.1% YoY
-1.7% QoQ
|
+4.94% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.39%
-26.1% YoY
-6.5% QoQ
|
-0.24% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
88.52%
-1.3% YoY
+2.1% QoQ
|
+5.46% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
20.06%
-2.0% YoY
+0.9% QoQ
|
-0.99% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.30%
-26.0% YoY
-4.0% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
11.78%
-12.3% YoY
-5.6% QoQ
|
+1.54% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
1.04%
-11.6% YoY
+28.1% QoQ
|
+0.30% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.74%
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
60
60th pctile
Loan-to-Deposit Ratio
Current: 88.52% · Tier avg: 83.06%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
54
54th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.06% · Tier avg: 21.05%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.78% · Tier avg: 10.24%
33
33th pctile
Efficiency Ratio
Current: 67.57% · Tier avg: 62.63%
Top Weaknesses
33
33th pctile
Efficiency Ratio
Current: 67.57% · Tier avg: 62.63%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.78% · Tier avg: 10.24%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.06% · Tier avg: 21.05%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
54
54th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
60
60th pctile
Loan-to-Deposit Ratio
Current: 88.52% · Tier avg: 83.06%
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
87
87th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.74%