State Bank & Trust Company
Major 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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.5) profitability.
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 10.5. A current level of 2.8 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Good asset quality (6.1).
Asset Mix:
Comm re (28%), securities (26%), comm loans (14%), home mtgs (13%), cash (5%), consumer loans (5%), other (10%)
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.