State Bank & Trust Company
Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 17.0 and a capital leverage ratio of 10.5. A current level of 3.9 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability.
Asset Mix:
Securities (27%), comm re (21%), comm loans (20%), home mtgs (14%), cash (7%), consumer loans (5%), other (6%)
States with Branches:
LA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
SBT Bancshares, Inc.
Investment Rating
--
Address
176 Washington Street
Golden Meadow, LA 70357
Golden Meadow, LA 70357
Phone Number
(985) 475-5826
Year Founded
1953
FDIC Number
Website
Largest Affiliates
No affiliate information available.