Is State Bank Financial Safe?
State Bank Financial has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (59/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.26% | 94/100 |
| Nonperforming Loan Ratio | 0.32% | 94/100 |
| Liquidity Ratio | 31.45% | 100/100 |
| Return on Assets | 0.97% | 59/100 |
| Total Assets | $0.4B | |
How does State Bank Financial compare?
With a Bank Health Score of 92/100, State Bank Financial sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Wisconsin, where 141 FDIC-insured banks are headquartered, State Bank Financial ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 14.26% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.32% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, State Bank Financial's Bank Health Score held roughly steady at 92/100. Tier 1 capital strengthened by 0.43 percentage points to 14.26%. Quarter-over-quarter, the score rose by 1.0 points.
State Bank Financial has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (59/100).