The State Bank and Trust Company is a state-chartered bank (fed member) headquartered in Defiance, Ohio, in business for about 124 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.4B in deposits, with 29 offices across 2 states.
The State Bank and Trust Company has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 76th. Problem-loan coverage contributes the most (95/100, 2.4%); capital cushion contributes the least (50/100, 10.00%).
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 (67 → 70), mostly because the loan quality component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 66 |
| Q2 2025 | 67 |
| Q3 2025 | 68 |
| Q4 2025 | 68 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.31% |
| Q3 2024 | 10.92% |
| Q4 2024 | 11.09% |
| Q1 2025 | 10.06% |
| Q2 2025 | 10.15% |
| Q3 2025 | 10.08% |
| Q4 2025 | 9.86% |
| Q1 2026 | 9.91% |
| Q2 2026 | 10.00% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.96% |
| Q1 2025 | 0.85% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.08% |
| Q1 2026 | 1.19% |
| Q2 2026 | 1.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $1.6B | 10.00% | 0.30% | 1.17% | 84.3% |
| Q1 2026 | 69 | $1.6B | 9.91% | 0.32% | 1.19% | 84.8% |
| Q4 2025 | 68 | $1.5B | 9.86% | 0.39% | 1.08% | 88.5% |
| Q3 2025 | 68 | $1.5B | 10.08% | 0.41% | 1.03% | 86.7% |
| Q2 2025 | 67 | $1.5B | 10.15% | 0.53% | 0.98% | 87.1% |
| Q1 2025 | 66 | $1.5B | 10.06% | 0.55% | 0.85% | 84.2% |
| Q4 2024 | 69 | $1.4B | 11.09% | 0.52% | 0.96% | 89.7% |
| Q3 2024 | 68 | $1.4B | 10.92% | 0.53% | 0.87% | 87.6% |
| Q2 2024 | 70 | $1.3B | 11.31% | 0.47% | 0.93% | 89.1% |
897 peers · $1 billion – $10 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 Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Vinton County National BankBank Mcarthur, OH | 73 out of 100, Strong | $1.6B | 10.5% | 0.27% | vs |
| The Ohio Valley Bank CompanyBank Gallipolis, OH | 54 out of 100, Below average | $1.6B | 9.7% | 1.45% | vs |
| Main Street Bank Corp.Bank Wooster, OH | 67 out of 100, Moderate | $1.6B | 9.2% | 0.66% | vs |
| Sutton BankBank Attica, OH | 77 out of 100, Strong | $1.7B | 10.0% | 0.02% | vs |
| Waterford Bank, N.A.Bank Toledo, OH | 66 out of 100, Moderate | $1.8B | 10.4% | 0.68% | vs |
| The Union Bank CompanyBank Columbus Grove, OH | 74 out of 100, Strong | $1.4B | 10.8% | 0.12% | vs |
Deposit insurance
Is my money safe at The State Bank and Trust Company?
Yes. The State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #13339). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.6% of deposits ($371.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.00%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.62% (benchmark: 10%).
29 locations
Branches
The State Bank and Trust Company lists 26 offices in 23 cities across 2 states. Most locations:
- Defiance, OH (2)
- Findlay, OH (2)
- Marblehead, OH (2)
- Angola, IN (1)
- Bowling Green, OH (1)
- Bryan, OH (1)
- Delta, OH (1)
- Dublin, OH (1)
- Edgerton, OH (1)
- Edon, OH (1)
- Fort Wayne, IN (1)
- Lima, OH (1)
HMDA 2025
Mortgage lending
In 2025, The State Bank and Trust Company reported 1,861 home-loan applications under HMDA (LEI UBNR8NKAK8J9JL4NZF88): 1,380 originated ($379,200,000 total), 154 denied, and 300 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, 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
- The State Bank and Trust Company
- Former names
- The State Bank of Defiance Company; State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 13339
- RSSD ID
- 614313
- Primary regulator
- FED
- Holding company
- Sb Financial Group Inc
- Established
- March 28, 1902
- Headquarters
- 401 Clinton St, Defiance, OH 43512
- Website
- www.yourstatebank.com
- Employees
- 252
Quick answers
The State Bank and Trust Company: common questions
Is The State Bank and Trust Company FDIC insured?
Yes. The State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #13339). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The State Bank and Trust Company'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 The State Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #13339 in the FDIC failed bank list.
How many branches does The State Bank and Trust Company have?
29 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Defiance
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| First Federal Savings and Loan AssociationBank Delta, OH | 93 out of 100, Very strong | $246.0M | 16.5% | 0.00% | vs |
| Genfed Financial Credit UnionCredit union Akron, OH | 79 out of 100, Strong | $335.9M | 16.8% | 1.38% | vs |
| The Hamler State BankBank Hamler, OH | 76 out of 100, Strong | $125.3M | 14.3% | 1.38% | vs |
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |
| The Fort Jennings State BankBank Fort Jennings, OH | 75 out of 100, Strong | $285.8M | 12.7% | 1.09% | vs |