State Bank & Trust
Total assets
$413.0M
▲ +11.9% YoY
Deposits
$362.6M
▲ +8.3% YoY
Loans
$276.0M
▲ +29.3% YoY
Offices
5
PEOPLES BCORP INC
ROA (annualized)
0.89%
peers 1.24%
ROE (annualized)
16.39%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | State Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +4.4% | +7.6 pts |
| Deposit growth (YoY) | +8.3% | +4.0% | +4.3 pts |
| Loan growth (YoY) | +29.3% | +5.6% | +23.7 pts |
| ROA | 0.89% | 1.24% | -0.3 pts |
| ROE | 16.4% | 11.9% | +4.5 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
Profile
- Established
- 1907
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PEOPLES BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 1945 Us Highway 43, Winfield, AL, 35594
- County
- Marion
- Offices
- 5
- FDIC cert #
- 861
- RSSD ID
- 386731
- 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 | $413.0M | $362.6M | $276.0M | $23.3M | $1.8M | 0.89% | 3.27% | 0.40% |
| Q1 2026 | $407.1M | $363.4M | $265.6M | $21.3M | $883K | 0.88% | 3.21% | 0.50% |
| Q4 2025 | $396.4M | $346.6M | $247.8M | $21.6M | $2.7M | 0.69% | 2.96% | 0.48% |
| Q3 2025 | $382.4M | $342.5M | $233.0M | $20.2M | $2.2M | 0.77% | 2.90% | 0.96% |
| Q2 2025 | $369.0M | $334.9M | $213.5M | $17.3M | $2.1M | 1.13% | 2.75% | 0.50% |
| Q1 2025 | $385.5M | $324.4M | $202.3M | $16.2M | $610K | 0.64% | 2.61% | 0.43% |
| Q4 2024 | $376.9M | $320.2M | $187.0M | $13.7M | $1.9M | 0.52% | 2.33% | 0.42% |
| Q3 2024 | $379.0M | $320.6M | $182.0M | $16.4M | $1.3M | 0.47% | 2.27% | 0.33% |
Loan mix (Q2 2026): real estate $210.2M · commercial $43.6M · consumer $21.3M · securities $103.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | State Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.96% | 19th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 62.9% | 66th | |
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 | State Bank & Trust | 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 | State Bank & Trust | 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 | State Bank & Trust | 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 | State Bank & Trust | 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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