STATE BANK&TRUST CO
DEFIANCE, OHIO · FDIC Cert #13339
Capital & Safety Analysis
According to FDIC financial data, STATE BANK&TRUST CO holds a Tier 1 capital ratio of 13.98%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning STATE BANK&TRUST CO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
STATE BANK&TRUST CO shows strong financial health indicators. With $1.3B in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
STATE BANK&TRUST CO has a Bank Health Score of B (78/100). It holds a Tier 1 capital ratio of 13.98%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
STATE BANK&TRUST CO holds $1.3B in total assets and $1.1B in total deposits. It is located in DEFIANCE, OHIO (FDIC Certificate #13339).
STATE BANK&TRUST CO has a Tier 1 capital ratio of 13.98%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.47%, and the return on assets is 1.10%.
Yes. STATE BANK&TRUST CO is FDIC-insured (Certificate #13339). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.