State Bank&Trust Co (FDIC #13339): Bank Stress & Real-Estate Credit Exposure
State Bank&Trust Co (FDIC Cert #13339): bank stress 66/100, elevated, STABLE over 7 days; parent SB FINANCIAL GROUP INC.
State Bank&Trust Co (#13339) lends in 13 counties across 2 states; State Bank&Trust Co (#13339) reaches 253 ZIP codes: Ohio 11 counties, 211 ZIPs; Indiana 2 counties, 42 ZIPs.
State Bank&Trust Co (#13339) largest markets: Franklin County, OH (50 branches, 50 ZIPs) (#13339), Wood County, OH (136 branches, 34 ZIPs) (#13339), Allen County, IN (33 branches, 33 ZIPs) (#13339), Lucas County, OH (30 branches, 30 ZIPs) (#13339), Hancock County, OH (48 branches, 24 ZIPs) (#13339), Allen County, OH (20 branches, 20 ZIPs) (#13339).
State Bank&Trust Co (#13339) reports $1.61 billion in total assets; State Bank&Trust Co (#13339) equity $165.6 million (10.3% of State Bank&Trust Co (#13339) assets); State Bank&Trust Co (#13339) domestic deposits $1.40 billion; State Bank&Trust Co (#13339) net income $9.3 million; State Bank&Trust Co (#13339) return on assets 1.17%; State Bank&Trust Co (#13339) return on equity 11.52%; State Bank&Trust Co (#13339) net interest income $26.3 million; State Bank&Trust Co (#13339) call report June 30, 2026.
State Bank&Trust Co (#13339) noncurrent real-estate loans 0.04% of its book; State Bank&Trust Co (#13339) residential 0.11%; State Bank&Trust Co (#13339) net charge-offs on real estate 0.21%; State Bank&Trust Co (#13339) residential charge-offs 0.07%.
State Bank&Trust Co (#13339) net interest margin 3.62% against an eight-quarter State Bank&Trust Co (#13339) average of 3.56% (State Bank&Trust Co (#13339) compression -0.06 points); State Bank&Trust Co (#13339) real-estate loans 3.7% of equity; State Bank&Trust Co (#13339) non-residential real estate 6.5% of equity; State Bank&Trust Co (#13339) rate-exposure score 40/100, State Bank&Trust Co (#13339) fixed-rate trap 40/100; State Bank&Trust Co (#13339) risk type credit driven; State Bank&Trust Co (#13339) rate regime rates elevated, State Bank&Trust Co (#13339) snapshot October 19, 2026.
State Bank&Trust Co (#13339) stress score moved from 65 on June 22, 2026 to 66.1 on October 20, 2026; State Bank&Trust Co (#13339) ranged 65 to 66.1 over 117 snapshots.
State Bank&Trust Co (#13339) alerts: 13 counties; top State Bank&Trust Co (#13339) alert scores: Paulding County, OH 45 (moderate); Defiance County, OH 39 (moderate); Angola County, OH 23 (low); Dublin County, OH 23 (low); Findlay County, OH 23 (low).