Headquartered in Winfield, Alabama, State Bank & Trust is a state-chartered bank with $413.0M in total assets and $362.6M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1907.
State Bank & Trust has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 72nd. Problem-loan coverage contributes the most (87/100, 6.3%); capital cushion contributes the least (40/100, 9.01%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 63).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 59 |
| Q4 2024 | 58 |
| Q1 2025 | 60 |
| Q2 2025 | 64 |
| Q3 2025 | 54 |
| Q4 2025 | 61 |
| Q1 2026 | 62 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.15% |
| Q3 2024 | 8.52% |
| Q4 2024 | 8.72% |
| Q1 2025 | 9.04% |
| Q2 2025 | 9.28% |
| Q3 2025 | 9.30% |
| Q4 2025 | 9.23% |
| Q1 2026 | 9.05% |
| Q2 2026 | 9.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.81% |
| Q2 2025 | 0.85% |
| Q3 2025 | 1.36% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.51% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.64% |
| Q2 2025 | 1.13% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $413.0M | 9.01% | 0.51% | 0.89% | 76.1% |
| Q1 2026 | 62 | $407.1M | 9.05% | 0.58% | 0.88% | 73.1% |
| Q4 2025 | 61 | $396.4M | 9.23% | 0.55% | 0.69% | 71.5% |
| Q3 2025 | 54 | $382.4M | 9.30% | 1.36% | 0.77% | 68.0% |
| Q2 2025 | 64 | $369.0M | 9.28% | 0.85% | 1.13% | 63.7% |
| Q1 2025 | 60 | $385.5M | 9.04% | 0.81% | 0.64% | 62.4% |
| Q4 2024 | 58 | $376.9M | 8.72% | 0.83% | 0.52% | 58.4% |
| Q3 2024 | 59 | $379.0M | 8.52% | 0.67% | 0.47% | 56.8% |
| Q2 2024 | 63 | $370.2M | 9.15% | 0.47% | 0.44% | 54.7% |
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).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Citizens BankBank Luverne, AL | 87 out of 100, Very strong | $402.6M | 14.3% | 0.76% | vs |
| Southern Independent BankBank Opp, AL | 87 out of 100, Very strong | $395.3M | 13.6% | 0.08% | vs |
| The Exchange Bank of AlabamaBank Altoona, AL | 91 out of 100, Very strong | $392.5M | 15.3% | 0.04% | vs |
| Pinnacle BankBank Jasper, AL | 76 out of 100, Strong | $384.5M | 11.3% | 0.02% | vs |
| NobleBank & TrustBank Anniston, AL | 81 out of 100, Strong | $444.0M | 11.3% | 0.26% | vs |
| First Jackson Bank, Inc.Bank Stevenson, AL | 93 out of 100, Very strong | $444.3M | 14.8% | 0.08% | vs |
Deposit insurance
Is my money safe at State Bank & Trust?
Yes. State Bank & Trust is an FDIC-insured institution (FDIC certificate #861). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.7% of deposits ($115.0M) 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 9.01%, 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%).
5 locations
Branches
State Bank & Trust lists 5 offices in 4 cities. Most locations:
- Winfield, AL (2)
- Brilliant, AL (1)
- Fayette, AL (1)
- Guin, AL (1)
Identity & history
Profile
- Legal name
- State Bank & Trust
- Former names
- Winfield State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 861
- RSSD ID
- 386731
- Primary regulator
- FDIC
- Holding company
- Peoples Bcorp Inc
- Established
- October 3, 1907
- Headquarters
- 1945 Us Highway 43, Winfield, AL 35594
- Website
- www.statebank.net
- Employees
- 61
Quick answers
State Bank & Trust: common questions
Is State Bank & Trust FDIC insured?
Yes. State Bank & Trust is an FDIC-insured institution (FDIC certificate #861). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank & Trust's TellerScore?
63 out of 100 (Moderate), 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 & Trust ever failed?
There is no failure record for FDIC certificate #861 in the FDIC failed bank list.
How many branches does State Bank & Trust have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Winfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National BankBank Hamilton, AL | 97 out of 100, Very strong | $372.7M | 19.0% | 0.25% | vs |
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
| The Bank of VernonBank Vernon, AL | 85 out of 100, Very strong | $445.4M | 16.6% | 0.47% | vs |
| The Citizens Bank of WinfieldBank Winfield, AL | 83 out of 100, Strong | $301.3M | 17.5% | 0.26% | vs |
| West Alabama Bank & TrustBank Reform, AL | 77 out of 100, Strong | $929.0M | 12.2% | 0.44% | vs |
| Pinnacle BankBank Jasper, AL | 76 out of 100, Strong | $384.5M | 11.3% | 0.02% | vs |