| Weiss Ratings |
The State Bank and Trust Company
Defiance, OH |
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| Rating | ||||
| Asset Quality Index | 7.50 | |||
| Capitalization Index | 8.60 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 4.80 | |||
| Stability Index | 9.40 | |||
| Company Info |
The State Bank and Trust Company
Defiance, OH |
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| FDIC Number | 13339 | |||
| Phone Number | (419) 783-8950 | |||
| Website | www.yourstatebank.com | |||
| Asset Quality |
The State Bank and Trust Company
Defiance, OH |
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| 1-Year Asset Growth | 7.34% | |||
| 5-Year Asset Growth | 6.60% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.21% | |||
| Non-Performing Loans to Capital | 1.87% | |||
| Non-Performing Loans to Loans | 0.41% | |||
| Balance Sheet |
The State Bank and Trust Company
Defiance, OH |
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| Total Assets | 1.49B | |||
| Total Deposits | 1.27B | |||
| Capital and Reserves |
The State Bank and Trust Company
Defiance, OH |
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| Capital | 155.11M | |||
| Leverage Ratio | 10.08 | |||
| Loan Loss Reserves to Loans | 1.43% | |||
| Risk-Based Capital Ratio | 13.73 | |||
| Liquidity |
The State Bank and Trust Company
Defiance, OH |
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| Hot Money Ratio | 13.40% | |||
| Liquidity Ratio | 9.56% | |||
| Profitability |
The State Bank and Trust Company
Defiance, OH |
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| 5-Year Return on Average Assets | 1.14% | |||
| Net Income | 11.23M | |||
| Net Interest Spread | 3.51% | |||
| Operating Profit to Average Assets | 1.22% | |||
| Overhead Efficiency Ratio | 69.08% | |||
| Return on Assets | 0.98% | |||
| Return on Equity | 9.91% | |||