| Weiss Ratings |
State Bank & Trust
Winfield, AL |
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| Rating | ||||
| Asset Quality Index | 6.30 | |||
| Capitalization Index | 7.00 | |||
| Liquidity Index | 1.80 | |||
| Profitability Index | 3.20 | |||
| Stability Index | 2.40 | |||
| Company Info |
State Bank & Trust
Winfield, AL |
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| FDIC Number | 861 | |||
| Phone Number | (205) 487-4265 | |||
| Website | www.statebank.net | |||
| Asset Quality |
State Bank & Trust
Winfield, AL |
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| 1-Year Asset Growth | 11.92% | |||
| 5-Year Asset Growth | 6.90% | |||
| 5-Year Charge-Offs to Average Loans | 0.10% | |||
| Charge-Offs to Average Loans | 0.23% | |||
| Non-Performing Assets to Assets | 0.39% | |||
| Non-Performing Loans to Capital | 3.90% | |||
| Non-Performing Loans to Loans | 0.51% | |||
| Balance Sheet |
State Bank & Trust
Winfield, AL |
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| Total Assets | 413.03M | |||
| Total Deposits | 362.56M | |||
| Capital and Reserves |
State Bank & Trust
Winfield, AL |
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| Capital | 23.26M | |||
| Leverage Ratio | 9.01 | |||
| Loan Loss Reserves to Loans | 0.92% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
State Bank & Trust
Winfield, AL |
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| Hot Money Ratio | 42.73% | |||
| Liquidity Ratio | 14.40% | |||
| Profitability |
State Bank & Trust
Winfield, AL |
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| 5-Year Return on Average Assets | 0.91% | |||
| Net Income | 1.81M | |||
| Net Interest Spread | 3.22% | |||
| Operating Profit to Average Assets | 0.91% | |||
| Overhead Efficiency Ratio | 68.94% | |||
| Return on Assets | 0.87% | |||
| Return on Equity | 16.53% | |||