| Weiss Ratings |
The State Bank and Trust Company
Defiance, OH |
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| Rating | ||||
| Asset Quality Index | 7.40 | |||
| Capitalization Index | 8.30 | |||
| Liquidity Index | 2.90 | |||
| Profitability Index | 5.00 | |||
| Stability Index | 8.90 | |||
| 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 | 12.23% | |||
| 5-Year Asset Growth | 4.58% | |||
| 5-Year Charge-Offs to Average Loans | 0.02% | |||
| Charge-Offs to Average Loans | 0.02% | |||
| Non-Performing Assets to Assets | 0.20% | |||
| Non-Performing Loans to Capital | 1.86% | |||
| Non-Performing Loans to Loans | 0.39% | |||
| Balance Sheet |
The State Bank and Trust Company
Defiance, OH |
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| Total Assets | 1.54B | |||
| Total Deposits | 1.32B | |||
| Capital and Reserves |
The State Bank and Trust Company
Defiance, OH |
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| Capital | 156.68M | |||
| Leverage Ratio | 9.86 | |||
| Loan Loss Reserves to Loans | 1.36% | |||
| Risk-Based Capital Ratio | 13.03 | |||
| Liquidity |
The State Bank and Trust Company
Defiance, OH |
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| Hot Money Ratio | 13.11% | |||
| Liquidity Ratio | 8.39% | |||
| Profitability |
The State Bank and Trust Company
Defiance, OH |
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| 5-Year Return on Average Assets | 1.14% | |||
| Net Income | 15.87M | |||
| Net Interest Spread | 3.54% | |||
| Operating Profit to Average Assets | 1.29% | |||
| Overhead Efficiency Ratio | 67.93% | |||
| Return on Assets | 1.04% | |||
| Return on Equity | 10.42% | |||