BlastPoint's Banking Scorecard
State Bank & Trust
Micro
Specialty: Commercial
AL
FDIC cert 861
Designations: ✓ Community bank
Winfield, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
State Bank & Trust 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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$396.4M
+5.2% YoY
+3.7% QoQ
|
+$178.9M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$247.8M
+32.5% YoY
+6.3% QoQ
|
+$108.6M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$346.6M
+8.2% YoY
+1.2% QoQ
|
+$162.9M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.69%
+33.6% YoY
-10.2% QoQ
|
-0.39% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
2.96%
+27.2% YoY
+2.1% QoQ
|
-0.89% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
61.14%
-21.3% YoY
+2.9% QoQ
|
-6.59% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.56%
-33.4% YoY
-59.6% QoQ
|
-0.08% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
71.50%
+22.5% YoY
+5.1% QoQ
|
-3.03% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
12.84%
+1.7% YoY
+5.8% QoQ
|
-9.56% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.48%
+14.1% YoY
-50.6% QoQ
|
+0.02% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.81%
+143.7% YoY
+8.2% QoQ
|
+0.25% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 12% 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
89
89th pctile
Total Deposits
Current: $346.6M · Tier avg: $183.7M
88
88th pctile
Total Assets
Current: $396.4M · Tier avg: $217.5M
88
88th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
84
84th pctile
Total Loans
Current: $247.8M · Tier avg: $139.2M
64
64th pctile
Efficiency Ratio
Current: 61.14% · Tier avg: 67.73%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.50% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.64%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
27
27th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.08%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.84% · Tier avg: 22.39%
15
15th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.85%
Top Weaknesses
15
15th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.85%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.84% · Tier avg: 22.39%
27
27th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.08%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.50% · Tier avg: 74.53%
64
64th pctile
Efficiency Ratio
Current: 61.14% · Tier avg: 67.73%
84
84th pctile
Total Loans
Current: $247.8M · Tier avg: $139.2M
88
88th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
88
88th pctile
Total Assets
Current: $396.4M · Tier avg: $217.5M
89
89th pctile
Total Deposits
Current: $346.6M · Tier avg: $183.7M