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State Bank & Trust
Winfield, AL · FDIC Certificate #861 · Chartered 10/0
Total assets
$413.03M
Total deposits
$362.56M
Total equity
$23.26M
Net loans
$275.97M
Branches (offices)
5
Net income (YTD)
$1.81M
Rank: #2,027 of 4,213 U.S. banks by assets · #36 of 93 in Alabama. Assets changed 11.9% and deposits 8.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 16.39% |
| Net interest margin (YTD) | 3.27% |
| Equity to assets | 5.63% |
| Tier 1 leverage ratio | 9.01% |
| Uninsured deposits (share of deposits) | 31.7% |
| Noncurrent loans (share of loans) | 0.51% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 76.1% |
| Real estate loans (share of loans) | 76.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $210.21M | 76.2% | |
| Commercial & industrial | $43.60M | 15.8% | |
| Consumer / individual | $21.25M | 7.7% | |
| Construction & development | $27.32M | 9.9% | |
| Agricultural | $266.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $323.83M | $279.88M | $2.50M | $12.74M |
| Jun 2023 | $373.15M | $325.49M | $742.00K | $7.88M |
| Jun 2024 | $370.19M | $317.05M | $812.00K | $11.79M |
| Jun 2025 | $369.03M | $334.90M | $2.12M | $17.33M |
| Jun 2026 | $413.03M | $362.56M | $1.81M | $23.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $362.56M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $362.56M.
Similar-sized banks
Bank Of Frankewing ($413.12M) · Cibc National Trust Company ($412.83M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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