State Bank & Trust Company (FDIC certificate #17169) is based in Golden Meadow, Louisiana. Its Q2 2026 call report shows $165.1M in total assets and $145.3M in deposits and 4 offices.
Based on its Q2 2026 filing, State Bank & Trust Company scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 35th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is capital cushion (56/100; 10.63%).
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 3 points (71 → 74), mostly because the earnings component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 79 |
| Q4 2024 | 72 |
| Q1 2025 | 69 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 72 |
| Q1 2026 | 75 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.30% |
| Q3 2024 | 11.32% |
| Q4 2024 | 11.46% |
| Q1 2025 | 10.47% |
| Q2 2025 | 10.66% |
| Q3 2025 | 10.61% |
| Q4 2025 | 10.54% |
| Q1 2026 | 11.00% |
| Q2 2026 | 10.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.73% |
| Q1 2025 | 0.72% |
| Q2 2025 | 0.64% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.46% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 0.91% |
| Q4 2024 | 0.98% |
| Q1 2025 | 0.87% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.00% |
| Q4 2025 | 1.06% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $165.1M | 10.63% | 0.46% | 1.50% | 78.8% |
| Q1 2026 | 75 | $155.3M | 11.00% | 0.53% | 1.37% | 73.3% |
| Q4 2025 | 72 | $151.6M | 10.54% | 0.50% | 1.06% | 73.4% |
| Q3 2025 | 71 | $153.1M | 10.61% | 0.64% | 1.00% | 68.8% |
| Q2 2025 | 71 | $150.2M | 10.66% | 0.64% | 0.98% | 72.5% |
| Q1 2025 | 69 | $149.7M | 10.47% | 0.72% | 0.87% | 68.9% |
| Q4 2024 | 72 | $144.3M | 11.46% | 0.73% | 0.98% | 71.8% |
| Q3 2024 | 79 | $145.9M | 11.32% | 0.00% | 0.91% | 70.0% |
| Q2 2024 | 78 | $147.2M | 11.30% | 0.10% | 0.90% | 67.0% |
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 Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank & Trust Company of Vivian, LouisianaBank Vivian, LA | 64 out of 100, Moderate | $159.6M | 10.3% | 0.87% | vs |
| Bank of Winnfield & Trust CompanyBank Winnfield, LA | 80 out of 100, Strong | $156.0M | 14.4% | 0.67% | vs |
| Farmers State Bank & Trust Co.Bank Church Point, LA | 56 out of 100, Moderate | $174.7M | 9.1% | 2.76% | vs |
| South Lafourche Bank & Trust CompanyBank Larose, LA | 38 out of 100, Low | $177.5M | 11.7% | 6.95% | vs |
| Colfax Banking CompanyBank Colfax, LA | 76 out of 100, Strong | $152.3M | 11.0% | 0.04% | vs |
| Feliciana Bank & Trust CompanyBank Clinton, LA | 75 out of 100, Strong | $180.4M | 11.8% | 0.69% | vs |
Deposit insurance
Is my money safe at State Bank & Trust Company?
Yes. State Bank & Trust Company is an FDIC-insured institution (FDIC certificate #17169). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.4% of deposits ($32.6M) 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 10.63%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.59% (benchmark: 10%).
4 locations
Branches
State Bank & Trust Company lists 4 offices in 4 cities. Most locations:
- Cut Off, LA (1)
- Golden Meadow, LA (1)
- Larose, LA (1)
- Mathews, LA (1)
Identity & history
Profile
- Legal name
- State Bank & Trust Company
- Former names
- State Bank & Trust Company of Golden Meadow
- Type
- State-chartered bank
- FDIC certificate #
- 17169
- RSSD ID
- 485139
- Primary regulator
- FDIC
- Holding company
- Sbt Bancshares Inc
- Established
- January 16, 1953
- Headquarters
- 176 Washington Street, Golden Meadow, LA 70357
- Website
- www.sbtcajun.com
- Employees
- 32
Quick answers
State Bank & Trust Company: common questions
Is State Bank & Trust Company FDIC insured?
Yes. State Bank & Trust Company is an FDIC-insured institution (FDIC certificate #17169). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank & Trust Company's TellerScore?
74 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 Company ever failed?
There is no failure record for FDIC certificate #17169 in the FDIC failed bank list.
How many branches does State Bank & Trust Company have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Golden Meadow
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Louisiana BankBank Houma, LA | 91 out of 100, Very strong | $659.8M | 15.3% | 0.45% | vs |
| United Community BankBank Raceland, LA | 83 out of 100, Strong | $665.5M | 14.5% | 0.73% | vs |
| Capital One, National AssociationBank Mclean, VA | 66 out of 100, Moderate | $662.2B | 10.6% | 1.49% | vs |
| Hancock Whitney BankBank Gulfport, MS | 64 out of 100, Moderate | $36.3B | 10.6% | 0.57% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| JPMorgan Chase Bank, National AssociationBank Columbus, OH | 61 out of 100, Moderate | $4.1T | 7.5% | 0.78% | vs |