Headquartered in Nevada, Iowa, State Bank & Trust Co. is a state-chartered bank with $197.6M in total assets and $174.3M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1939.
Based on its Q2 2026 filing, State Bank & Trust Co. scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 137th. Its strongest component is funding & liquidity (88/100; 58% loans-to-deposits, 26% uninsured), and its lowest is loan quality (57/100; 1.30%).
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
From Q2 2025 to Q2 2026, the score rose 5 points (65 → 70), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 53 |
| Q4 2024 | 58 |
| Q1 2025 | 61 |
| Q2 2025 | 65 |
| Q3 2025 | 68 |
| Q4 2025 | 67 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.09% |
| Q3 2024 | 9.94% |
| Q4 2024 | 10.24% |
| Q1 2025 | 10.09% |
| Q2 2025 | 10.64% |
| Q3 2025 | 10.90% |
| Q4 2025 | 11.09% |
| Q1 2026 | 10.94% |
| Q2 2026 | 11.03% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 1.76% |
| Q4 2024 | 1.36% |
| Q1 2025 | 1.50% |
| Q2 2025 | 1.25% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.28% |
| Q2 2026 | 1.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.46% |
| Q1 2025 | 1.06% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.23% |
| Q1 2026 | 1.41% |
| Q2 2026 | 1.44% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $197.6M | 11.03% | 1.30% | 1.44% | 58.3% |
| Q1 2026 | 69 | $198.8M | 10.94% | 1.28% | 1.41% | 60.6% |
| Q4 2025 | 67 | $196.4M | 11.09% | 1.31% | 1.23% | 63.6% |
| Q3 2025 | 68 | $193.1M | 10.90% | 1.11% | 1.12% | 65.2% |
| Q2 2025 | 65 | $194.9M | 10.64% | 1.25% | 1.08% | 66.3% |
| Q1 2025 | 61 | $199.6M | 10.09% | 1.50% | 1.06% | 67.5% |
| Q4 2024 | 58 | $198.6M | 10.24% | 1.36% | 0.46% | 67.3% |
| Q3 2024 | 53 | $203.8M | 9.94% | 1.76% | 0.38% | 62.2% |
| Q2 2024 | 71 | $195.9M | 10.09% | 0.17% | 0.56% | 61.8% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chelsea Savings BankBank Belle Plaine, IA | 93 out of 100, Very strong | $196.9M | 16.0% | 0.24% | vs |
| Mount Vernon Bank and Trust CompanyBank Mount Vernon, IA | 82 out of 100, Strong | $195.5M | 13.0% | 0.21% | vs |
| Citizens State BankBank Sheldon, IA | 87 out of 100, Very strong | $194.7M | 12.5% | 0.00% | vs |
| Keystone Savings BankBank Marengo, IA | 60 out of 100, Moderate | $200.8M | 11.3% | 1.44% | vs |
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
| Iowa Falls State BankBank Iowa Falls, IA | 71 out of 100, Strong | $201.5M | 8.6% | 0.25% | vs |
Deposit insurance
Is my money safe at State Bank & Trust Co.?
Yes. State Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #15651). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.7% of deposits ($44.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.03%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.72% (benchmark: 10%).
1 location
Branches
State Bank & Trust Co. lists 1 office in 1 city. Most locations:
- Nevada, IA (1)
Identity & history
Profile
- Legal name
- State Bank & Trust Co.
- Type
- State-chartered bank
- FDIC certificate #
- 15651
- RSSD ID
- 229342
- Primary regulator
- FDIC
- Holding company
- Ames National Corp
- Established
- February 25, 1939
- Headquarters
- 1025 6th St, Nevada, IA 50201
- Website
- www.banksbt.com
- Employees
- 19
Quick answers
State Bank & Trust Co.: common questions
Is State Bank & Trust Co. FDIC insured?
Yes. State Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #15651). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank & Trust Co.'s TellerScore?
70 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 & Trust Co. ever failed?
There is no failure record for FDIC certificate #15651 in the FDIC failed bank list.
How many branches does State Bank & Trust Co. have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Nevada
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Community Choice Credit UnionCredit union Johnston, IA | 79 out of 100, Strong | $922.9M | 12.7% | 0.57% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
| Community State BankBank Ankeny, IA | 76 out of 100, Strong | $1.7B | 11.7% | 0.19% | vs |
| Great Southern BankBank Reeds Spring, MO | 73 out of 100, Strong | $5.5B | 11.3% | 0.02% | vs |
| Veridian Credit UnionCredit union Waterloo, IA | 73 out of 100, Strong | $9.2B | 11.6% | 0.67% | vs |