State Bank & Trust Company
Total assets
$165.1M
▲ +9.9% YoY
Deposits
$145.3M
▲ +9.9% YoY
Loans
$114.4M
▲ +19.4% YoY
Offices
4
SBT BANCSHARES INC
ROA (annualized)
1.50%
peers 1.24%
ROE (annualized)
17.61%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +4.4% | +5.6 pts |
| Deposit growth (YoY) | +9.9% | +4.0% | +6.0 pts |
| Loan growth (YoY) | +19.4% | +5.6% | +13.8 pts |
| ROA | 1.50% | 1.24% | +0.3 pts |
| ROE | 17.6% | 11.9% | +5.7 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
Profile
- Established
- 1953
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SBT BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 176 Washington Street, Golden Meadow, LA, 70357
- County
- Lafourche
- Metro area
- Houma-Thibodaux, LA
- Offices
- 4
- FDIC cert #
- 17169
- RSSD ID
- 485139
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $165.1M | $145.3M | $114.4M | $13.8M | $1.2M | 1.50% | 4.15% | 0.32% |
| Q1 2026 | $155.3M | $135.9M | $99.7M | $13.4M | $525K | 1.37% | 4.05% | 0.35% |
| Q4 2025 | $151.6M | $132.6M | $97.3M | $13.0M | $1.6M | 1.06% | 4.02% | 0.33% |
| Q3 2025 | $153.1M | $134.5M | $92.5M | $12.5M | $1.1M | 1.00% | 3.98% | 0.39% |
| Q2 2025 | $150.2M | $132.2M | $95.9M | $11.8M | $727K | 0.98% | 3.94% | 0.42% |
| Q1 2025 | $149.7M | $132.1M | $91.0M | $11.2M | $321K | 0.87% | 3.87% | 0.45% |
| Q4 2024 | $144.3M | $125.9M | $90.4M | $12.2M | $1.4M | 0.98% | 3.98% | 0.46% |
| Q3 2024 | $145.9M | $126.9M | $88.8M | $12.7M | $985K | 0.91% | 3.93% | 0.00% |
Loan mix (Q2 2026): real estate $78.3M · commercial $30.7M · consumer $6.9M · securities $38.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.96% | 61th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 62.9% | 57th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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