State Bank & Trust Company
Major Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 17.3 and a capital leverage ratio of 10.6. A current level of 3.4 percent of nonperforming loans to core capital contributes to the Good asset quality (5.9).
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 (4.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.3) profitability.
Asset Mix:
Securities (26%), comm re (25%), comm loans (15%), home mtgs (13%), cash (9%), consumer loans (4%), other (7%)
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.