TellerScore

Headquartered in Brownsburg, Indiana, State Bank is a state-chartered bank with $916.1M in total assets and $764.1M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1910.

State Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 25th. Problem-loan coverage contributes the most (98/100, 0.8%); funding & liquidity contributes the least (27/100, 92% loans-to-deposits, 52% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.90%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity27/100
Loans ÷ deposits and uninsured-deposit share: 91.5% · 52.2% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.84%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (61 → 71), mostly because the capital cushion component improved by 27 points.

TellerScore
546371Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202460
Q4 202460
Q1 202560
Q2 202561
Q3 202561
Q4 202554
Q1 202664
Q2 202671
Tier 1 leverage ratio
5.00%8.45%11.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.70%
Q3 20248.75%
Q4 20248.96%
Q1 20259.14%
Q2 20259.17%
Q3 20259.25%
Q4 20259.13%
Q1 20269.49%
Q2 202611.90%
Noncurrent loans
0.05%0.46%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.07%
Q4 20240.11%
Q1 20250.29%
Q2 20250.27%
Q3 20250.19%
Q4 20250.88%
Q1 20260.13%
Q2 20260.13%
Return on assets
0.62%0.85%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.62%
Q3 20240.64%
Q4 20240.73%
Q1 20250.84%
Q2 20250.90%
Q3 20250.95%
Q4 20250.95%
Q1 20261.07%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$916.1M11.90%0.13%1.07%91.5%
Q1 202664$855.7M9.49%0.13%1.07%97.0%
Q4 202554$864.9M9.13%0.88%0.95%98.6%
Q3 202561$875.9M9.25%0.19%0.95%93.1%
Q2 202561$855.0M9.17%0.27%0.90%89.6%
Q1 202560$824.5M9.14%0.29%0.84%88.6%
Q4 202460$819.9M8.96%0.11%0.73%91.3%
Q3 202460$832.4M8.75%0.07%0.64%84.0%
Q2 202459$831.9M8.70%0.05%0.62%83.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.90%
64th
Total risk-based capital0.00%
24th
Problem loans0.13%
71st
Net charge-offs0.01%
51st
Return on assets1.07%
38th
Net interest margin4.04%
56th
Efficiency ratio65.5%
41st
Loans to deposits91.5%
23rd
Uninsured deposits52.2%
3rd
Loan-loss reserves1.47%
77th
Texas ratio0.8%
72nd

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State Bank of New Castle, IndianaBank New Castle, IN70 out of 100, Strong$908.8M10.5%0.40%vs
Greenfield Banking CompanyBank Greenfield, IN84 out of 100, Strong$930.5M13.9%0.35%vs
Community First Bank of IndianaBank Kokomo, IN55 out of 100, Moderate$980.3M9.9%1.32%vs
The Fountain Trust CompanyBank Covington, IN69 out of 100, Moderate$844.6M10.0%0.63%vs
First State Bank of MiddleburyBank Middlebury, IN67 out of 100, Moderate$836.2M13.4%1.55%vs
FCN Bank, National AssociationBank Brookville, IN73 out of 100, Strong$812.5M9.9%0.02%vs

Deposit insurance

Is my money safe at State Bank?

Yes. State Bank is an FDIC-insured institution (FDIC certificate #1833). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 52.2% of deposits ($399.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.90%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

State Bank lists 11 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, State Bank reported 78 home-loan applications under HMDA (LEI 549300XYCNS3JDVQXU89): 39 originated ($14,665,000 total), 9 denied, and 29 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
State Bank
Former names
State Bank of Lizton
Type
State-chartered bank
FDIC certificate #
1833
RSSD ID
345747
Primary regulator
FDIC
Holding company
Lizton Financial Corp
Established
December 1, 1910
Headquarters
900 E 56th St, Brownsburg, IN 46112
Employees
120

Quick answers

State Bank: common questions

Is State Bank FDIC insured?

Yes. State Bank is an FDIC-insured institution (FDIC certificate #1833). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is State Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has State Bank ever failed?

There is no failure record for FDIC certificate #1833 in the FDIC failed bank list.

How many branches does State Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Brownsburg

InstitutionScoreAssetsCapitalProblem loansCompare
H a L E Federal Credit UnionCredit union Indianapolis, IN100 out of 100, Very strong$399K25.1%0.00%vs
Mt Zion Indianapolis Federal Credit UnionCredit union Indianapolis, IN98 out of 100, Very strong$1.4M38.3%0.00%vs
Professional Police Officers Credit UnionCredit union Indianapolis, IN92 out of 100, Very strong$58.7M14.8%0.00%vs
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Cs Credit UnionCredit union Catawba, NC84 out of 100, Strong$30.5M18.7%0.46%vs
Greenfield Banking CompanyBank Greenfield, IN84 out of 100, Strong$930.5M13.9%0.35%vs