| 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
| 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 | 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% |
Peer lists, growth filters, CSV export, CRM push.
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% |
| 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% |
| Ratio | State Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
5 branches in 2 counties across 1 state (+1 vs 2025) · $362.6M branch deposits. Biggest market: Marion, AL, ranked 1st with 30.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, AL | 4 | $337.7M | 30.88% | 1st |
| Fayette, AL | 1 | $24.9M | 7.19% | 6th |
Alabama: 74th with 0.20% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 5
Technology spend in line with peers (19 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).