Vitals
  • Total Assets
    814.7M 11.4 %
  • Total Deposits
    678.6M 13.8 %
  • Total Net Loans
    641.1M 14.9 %
  • Net Income
    9.7M 15.4 %
  • Book Value
    91.3M 11.0 %
  • Book Value x2
    182.6M 11.0 %
  • Book Value x3
    273.9M 11.0 %
ROAA

1.226

ROAE

11.087

Efficiency Ratio

65.201

Net Interest Margin

3.655

Balance Sheet Highlights
Financial Highlights The State Bank And Trust Company All Insured Commercial Banks in Ohio
Balance Sheet $(000)
Total Assets 814,700 361,398
Total Net Loans 641,147 246,196
Total Deposits 678,557 299,385
Total Equity 91,308 40,120
Profitability
Net Income 9,662 3,580
Return on Average Assets 1.226 .879
Return on Average Equity 11.087 7.888
Net Interest Margin 3.655 3.69
Efficiency Ratio 65.201 68.453
Noninterest Income/Revenue 36.483 19.831
Balance Sheet Ratios
Loan-to-Deposit 94.487 76.786
Securities/Assets .111 .197
Total Equity/Total Assets .112 .111
Tangible Equity/Tangible Assets .081 .102
Capital Adequacy
Tier 1 Common Capital 74,183 37,120
Tier 1 Capital 74,183 37,403
Tier 2 Capital 7,725 2,742
Total Capital 81,908 40,139
Total Risk Weighted Assets 721,720 260,858
Leverage Ratio 9.31 10.639
Common Equity Tier 1 Capital Ratio 10.28 16.715
Tier 1 Capital Ratio 10.28 16.742
Total Capital Ratio 11.35 17.824

Timeline for The State Bank And Trust Company

Rurban Investment Inc

Acquisition: The State Bank And Trust Company acquired a new subsidiary, Rurban Investment Inc , 10 years

View Profile Feb 21 2014

Sbt Insurance Llc

Sbt Insurance Llc became a new subsidiary organization for The State Bank And Trust Company.

View Profile Aug 11 2010

Rurban Investment Inc

Rurban Investment Inc became a new subsidiary organization for The State Bank And Trust Company.

View Profile Mar 01 2009

National Bank Of Montpelier

Acquisition: The State Bank And Trust Company acquired a new subsidiary, National Bank Of Montpelier, 15 years

View Profile Dec 01 2008

Reliance Financial Services, National Association

Acquisition: The State Bank And Trust Company acquired a new subsidiary, Reliance Financial Services, National Association , 17 years

View Profile Mar 24 2007

Want to see more?

Complete timeline for The State Bank And Trust Company is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Rurban Investment Inc Seller Pooling of Interests Discontinued 2/21/2014
National Bank Of Montpelier Seller 106,338 Acquisition Discontinued 12/1/2008
Reliance Financial Services, National Association Seller Pooling of Interests Discontinued 3/24/2007
Rurban Operations Corporation Seller Pooling of Interests Discontinued 3/24/2007
The Exchange Bank Seller 86,497 Pooling of Interests Discontinued 3/24/2007
The Oakwood Deposit Bank Company Seller 72,267 Failure 2/4/2002
Ney State Bank Seller Discontinued 7/1/1966
Relationships Role Relationship Start Relationship End
Sb Financial Group Inc Parent 1/3/1984
Sbt Insurance Llc Subsidary 8/11/2010
Rurban Investment Inc Subsidary 3/1/2009 2/20/2014
Reliance Financial Services, National Association Subsidary 4/1/1997 3/23/2007
Rurban Mortgage Company Subsidary 11/5/1997 12/31/2001
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