The State Bank And Trust Company Mortgage Rates, Fees & Info

Defiance, OH

LEI: UBNR8NKAK8J9JL4NZF88

Tax ID: 34-4364150

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    The State Bank And Trust Company is a smaller bank specializing in Home Purchase loans. The State Bank And Trust Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Columbus, Toledo, Findlay, Defiance, and Tiffin among others. We have data for 64 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The State Bank And Trust Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The State Bank And Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.62% 11/21/24
    30 Year Conventional Purchase 6.61% 11/21/24
    30 Year Conventional Refi 6.51% 11/21/24
    30 Year Cash-out Refi 6.60% 11/21/24
    30 Year FHA Purchase 7.12% 11/21/24
    30 Year FHA Refi 6.38% 11/21/24
    30 Year VA Purchase 6.30% 11/21/24
    30 Year USDA Purchase 6.66% 11/21/24
    15 Year Conventional Purchase 5.65% 11/21/24
    15 Year Conventional Refi 5.75% 11/21/24
    15 Year Cash-out Refi 5.75% 11/21/24
    15 Year FHA Purchase 5.68% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    The State Bank And Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from The State Bank And Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,731

    Origination Dollar Volume (All Markets)

    $344,225,000

    Employee count

    250 Show all (15) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    COLUMBUS, OH (FHA|USDA|VA) 765 $182,385,000 $238,412 $3,621 4.60%
    TOLEDO, OH (FHA|USDA|VA) 183 $32,285,000 $176,421 $3,575 4.59%
    Outside of Metro Areas 179 $22,105,000 $123,492 $3,166 4.46%
    Findlay, OH (FHA|USDA|VA) 109 $20,775,000 $190,596 $3,287 4.54%
    Defiance, OH (FHA|USDA|VA) 119 $15,745,000 $132,311 $3,081 4.49%
    Tiffin, OH (FHA|USDA|VA) 82 $8,870,000 $108,171 $3,169 4.62%
    Angola, IN (FHA|USDA|VA) 34 $7,990,000 $235,000 $2,399 4.47%
    LIMA, OH (FHA|USDA|VA) 48 $7,750,000 $161,458 $3,213 4.66%
    MONROE, MI (FHA|USDA|VA) 35 $7,645,000 $218,429 $2,970 4.54%
    FORT WAYNE, IN (FHA|USDA|VA) 26 $5,310,000 $204,231 $2,419 4.55%
    Mount Vernon, OH (FHA|USDA|VA) 8 $2,400,000 $300,000 $4,384 4.70%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $2,290,000 $1,145,000 $7,224 4.88%
    Auburn, IN (FHA|USDA|VA) 10 $2,040,000 $204,000 $2,825 4.44%
    Fremont, OH (FHA|USDA|VA) 11 $2,035,000 $185,000 $3,028 4.51%
    Warsaw, IN (FHA|USDA|VA) 4 $1,450,000 $362,500 $2,239 4.59%
    Coldwater, MI (FHA|USDA|VA) 6 $1,420,000 $236,667 $3,291 4.10%
    Adrian, MI (FHA|USDA|VA) 8 $1,390,000 $173,750 $2,941 4.56%
    Kendallville, IN (FHA|USDA|VA) 6 $1,160,000 $193,333 $1,904 4.73%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $1,150,000 $287,500 $4,185 5.30%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $970,000 $242,500 $3,598 4.63%
    SPRINGFIELD, OH (FHA|USDA|VA) 4 $930,000 $232,500 $3,691 4.41%
    Van Wert, OH (FHA|USDA|VA) 8 $910,000 $113,750 $3,346 4.67%
    Urbana, OH (FHA|USDA|VA) 5 $825,000 $165,000 $4,100 4.55%
    Bellefontaine, OH (FHA|USDA|VA) 4 $810,000 $202,500 $3,727 4.56%
    RALEIGH-CARY, NC (FHA|USDA|VA) 3 $785,000 $261,667 $4,186 4.46%
    MANSFIELD, OH (FHA|USDA|VA) 4 $760,000 $190,000 $6,526 4.84%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $665,000 $665,000 $2,928 4.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $605,000 $605,000 $0 5.38%
    Hillsdale, MI (FHA|USDA|VA) 4 $600,000 $150,000 $3,766 4.41%
    Wapakoneta, OH (FHA|USDA|VA) 6 $580,000 $96,667 $2,620 4.42%
    Celina, OH (FHA|USDA|VA) 2 $550,000 $275,000 $4,805 4.31%
    Portsmouth, OH (FHA|USDA|VA) 2 $530,000 $265,000 $7,798 5.06%
    Marion, OH (FHA|USDA|VA) 3 $525,000 $175,000 $3,550 4.63%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $510,000 $255,000 $4,838 4.38%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $500,000 $250,000 $3,067 5.13%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $490,000 $122,500 $2,910 4.72%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $455,000 $455,000 $6,398 4.50%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $410,000 $205,000 $3,870 4.25%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $385,000 $385,000 $4,968 4.88%
    Decatur, IN (FHA|USDA|VA) 2 $380,000 $190,000 $2,821 3.88%
    Bucyrus-Galion, OH (FHA|USDA|VA) 2 $350,000 $175,000 $5,254 4.63%
    Washington Court House, OH (FHA|USDA|VA) 2 $330,000 $165,000 $4,939 4.69%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $315,000 $315,000 $2,938 3.88%
    RICHMOND, VA (FHA|USDA|VA) 1 $305,000 $305,000 $5,375 4.75%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $285,000 $285,000 $4,714 4.75%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $275,000 $275,000 $2,511 4.00%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $255,000 $255,000 $4,779 4.25%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $245,000 $245,000 $3,731 3.75%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $230,000 $115,000 $3,529 4.75%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $215,000 $215,000 $2,704 3.75%
    Athens, OH (FHA|USDA|VA) 1 $215,000 $215,000 $6,896 4.38%
    Jackson, OH (FHA|USDA|VA) 1 $205,000 $205,000 $5,898 4.38%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $195,000 $195,000 $3,657 4.75%
    Sevierville, TN (FHA|USDA|VA) 1 $175,000 $175,000 $6,343 3.38%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $165,000 $165,000 $3,321 4.50%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,359 4.50%
    Ashland, OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,215 4.00%
    Sidney, OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,715 4.75%
    Norwalk, OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,880 4.38%
    BOISE CITY, ID (FHA|USDA|VA) 1 $135,000 $135,000 $2,766 5.13%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,091 4.25%
    Wabash, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,155 4.38%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $95,000 $95,000 $3,620 4.00%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $85,000 $85,000 $3,065 4.88%
    The State Bank And Trust Company's top markets include Columbus, Toledo, Findlay, Defiance, and Tiffin among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against The State Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Federal Savings and Loan Association of Delta
    Similarity Rank: 48
    Fire Police City County Federal Credit Union
    Similarity Rank: 48
    The Garrett State Bank
    Similarity Rank: 48
    JEEP COUNTRY
    Similarity Rank: 52
    MONROE COUNTY COMMUNITY CREDIT UNION
    Similarity Rank: 170
    Columbus Metro Federal Credit Union
    Similarity Rank: 224
    Greenfield Banking Company
    Similarity Rank: 255
    TrueCore Federal Credit Union
    Similarity Rank: 360
    Hendricks County Bank and Trust Company
    Similarity Rank: 393
    First Federal Savings and Loan Association
    Similarity Rank: 420

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,524 $311,820,000 $204,606 $3,137 4.57%
    FHA 121 $18,825,000 $155,579 $5,741 4.54%
    VA 45 $9,355,000 $207,889 $6,371 4.41%
    USDA 41 $4,225,000 $103,049 $3,764 4.74%

    For 2018, The State Bank And Trust Company's most frequently originated type of loan was Conventional, with 1,524 originations. Their 2nd most popular type was FHA, with 121 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,458 $293,800,000 $201,509 $3,589 4.58%
    Cash Out Refi 151 $25,015,000 $165,662 $2,570 4.60%
    Refi 121 $25,375,000 $209,711 $2,522 4.41%
    Home Improvement 1 $35,000 $35,000 $1,228 5.50%

    For 2018, The State Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 1,458 originations. The 2nd most popular reason was Cash Out Refi, with 151 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,439 $292,195,000 $203,054 $3,570 4.61%
    15 Year 174 $26,510,000 $152,356 $2,622 4.19%
    20 Year 75 $14,905,000 $198,733 $2,933 4.66%
    10 Year 29 $3,805,000 $131,207 $1,435 4.64%
    Other 13 $6,725,000 $517,308 $2,731 5.03%
    5 Year 1 $85,000 $85,000 $0 4.50%

    For 2018, The State Bank And Trust Company's most frequently cited loan duration was 30 Year, with 1,439 originations. The 2nd most popular length was 15 Year, with 174 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 755 $134,155,000 $177,689
    $1k-2k 716 $147,210,000 $205,601
    $2k-3k 134 $32,860,000 $245,224
    $3k-4k 45 $9,405,000 $209,000
    $4k-5k 16 $3,470,000 $216,875
    $5k+ 13 $3,475,000 $267,308

    The State Bank And Trust Company's average total fees were $3,570, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 755 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,258 $246,290,000 $195,779
    3-4% 272 $58,900,000 $216,544
    5-6% 195 $38,355,000 $196,692
    6-7% 6 $680,000 $113,333

    During 2018, The State Bank And Trust Company's average interest rate for loans was 4.61%, while their most frequently originated rate bucket for loans was 4-5%, with 1,258 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 686 $101,090,000 $147,362 $3,320 4.58%
    $200k-400k 570 $153,870,000 $269,947 $3,959 4.53%
    $100,000 or less 363 $25,385,000 $69,931 $2,566 4.64%
    $400k-600k 82 $37,700,000 $459,756 $3,940 4.45%
    $600k-1MM 24 $17,450,000 $727,083 $4,325 4.43%
    $1MM+ 6 $8,730,000 $1,455,000 $6,583 4.77%

    2018 saw The State Bank And Trust Company place emphasis on $100k-200k loans with 686 originations, totaling $101,090,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 378 $54,210,000 $143,413 $3,382 4.60%
    $50k or less 359 $36,525,000 $101,741 $3,023 4.56%
    $100k-150k 338 $80,050,000 $236,834 $3,569 4.54%
    $75k-100k 309 $60,165,000 $194,709 $3,560 4.59%
    $150k-250k 219 $66,235,000 $302,443 $3,751 4.45%
    $250k+ 82 $34,340,000 $418,780 $3,511 4.58%

    The State Bank And Trust Company lent most frequently to those with incomes in the $50k-75k range, with 378 originations. The second most popular income band? $50k or less, with 359 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 397 $75,365,000 $189,836 $3,095 4.50%
    30-36% 332 $62,480,000 $188,193 $3,415 4.58%
    <20% 128 $22,660,000 $177,031 $2,854 4.47%
    43% 83 $15,865,000 $191,145 $3,360 4.58%
    39% 73 $17,585,000 $240,890 $4,167 4.63%
    44% 73 $15,235,000 $208,699 $3,873 4.57%
    42% 70 $12,520,000 $178,857 $3,514 4.58%
    38% 68 $13,910,000 $204,559 $3,471 4.55%
    41% 66 $14,300,000 $216,667 $3,984 4.51%
    36% 64 $12,450,000 $194,531 $3,713 4.55%
    37% 62 $11,280,000 $181,935 $3,527 4.69%
    40% 59 $14,065,000 $238,390 $3,901 4.60%
    48% 53 $12,095,000 $228,208 $3,573 4.45%
    45% 41 $8,315,000 $202,805 $3,969 4.60%
    46% 37 $7,335,000 $198,243 $3,089 4.60%
    47% 32 $5,700,000 $178,125 $3,663 4.55%
    49% 31 $7,435,000 $239,839 $3,549 4.62%
    50-60% 11 $2,325,000 $211,364 $3,460 4.50%

    The State Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 397 originations. The next most common DTI ratio? 30-36%, with 332 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,484 $288,860,000 $194,650 $3,381 4.55%
    Not provided 125 $28,085,000 $224,680 $3,536 4.56%
    Not applicable 36 $10,780,000 $299,444 $0 5.12%
    Black 47 $7,925,000 $168,617 $4,013 4.75%
    Asian 35 $7,555,000 $215,857 $4,117 4.46%
    American Indian 3 $895,000 $298,333 $4,391 4.42%
    Asian Indian 1 $125,000 $125,000 $0 5.50%

    Approval Rates

    Total approvals of all applications
    95.73%

    The State Bank And Trust Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    84.29%

    The State Bank And Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,731 $344,225,000 $198,859

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 12 $7,090,000 $590,833
    Single Family (1-4 Units):Manufactured 8 $770,000 $96,250
    Single Family (1-4 Units):Site-Built 1,711 $336,365,000 $196,590

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 45 $4,385,000 $97,444 $2,304 4.51%
    40-60% 107 $22,575,000 $210,981 $2,668 4.41%
    60-80% 500 $98,070,000 $196,140 $3,111 4.55%
    80-100% 1,055 $215,665,000 $204,422 $3,634 4.59%
    Over 100% 16 $3,060,000 $191,250 $7,938 4.45%
    Under 20% 8 $470,000 $58,750 $889 5.47%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The State Bank and Trust Company 119 South State Street Pioneer, OH 43554 Full Service B&M $28,522
    The State Bank and Trust Company 1201 East Main Street Montpelier, OH 43543 Full Service B&M $40,450
    The State Bank and Trust Company 1232 N. Main St. Bowling Green, OH 43402 Full Service B&M $3,593
    The State Bank and Trust Company 12832 Coldwater Road Fort Wayne, IN 46845 Full Service B&M $31,069
    The State Bank and Trust Company 133 East Morenci Street Lyons, OH 43533 Full Service B&M $21,051
    The State Bank and Trust Company 1419 West High Street Bryan, OH 43506 Full Service B&M $44,044
    The State Bank and Trust Company 1600 North Clinton Street Defiance, OH 43512 Full Service B&M $35,912
    The State Bank and Trust Company 201 E. Lincoln Street Findlay, OH 45840 Full Service B&M $11,110
    The State Bank and Trust Company 218 North First Street Oakwood, OH 45873 Full Service B&M $24,329
    The State Bank and Trust Company 235 Main Street Luckey, OH 43443 Full Service B&M $35,202
    The State Bank and Trust Company 311 North Main Street Walbridge, OH 43465 Full Service B&M $29,547
    The State Bank and Trust Company 312 Main Street Delta, OH 43515 Full Service B&M $17,145
    The State Bank and Trust Company 401 Clinton Street Defiance, OH 43512 Full Service B&M $233,129
    The State Bank and Trust Company 4080 West Dublin-Granville Road Dublin, OH 43017 Full Service B&M $46,068
    The State Bank and Trust Company 500 Third Street Defiance, OH 43512 Limited, Drive-thru $0
    The State Bank and Trust Company 515 Parkview Wauseon, OH 43567 Full Service B&M $25,129
    The State Bank and Trust Company 610 East South Boundary Perrysburg, OH 43551 Full Service B&M $38,692
    The State Bank and Trust Company 6401 Monroe Street Sylvania, OH 43560 Full Service B&M $19,927
    The State Bank and Trust Company 930 West Market Street Lima, OH 45805 Full Service B&M $38,052
    The State Bank and Trust Company Main And Caroline Streets Paulding, OH 45879 Full Service B&M $47,040

    For 2018, The State Bank And Trust Company had 20 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $39,479
    Net interest income $33,667
    Total noninterest income $16,418
    Gross Fiduciary activities income $2,853
    Service charges on deposit accounts $2,408
    Trading account gains and fees $146
    Additional Noninterest Income $11,011
    Pre-tax net operating income $16,083
    Securities gains (or losses, -) $70
    Income before extraordinary items $12,942
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,942
    Minority interest net income $0
    Net income $12,942
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $12,886

    The State Bank And Trust Company's gross interest income from loans was $39,479,000.
    The State Bank And Trust Company's net interest income from loans was $33,667,000.
    The State Bank And Trust Company's fee based income from loans was $2,408,000.
    The State Bank And Trust Company's net income from loans was $12,942,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,812
    Provision for credit losses $600
    Total noninterest expense $33,402
    Salaries and employee benefits $20,307
    Premises and equipment expense $4,657
    Additional noninterest expense $8,438
    Applicable income taxes $3,211
    Net charge-offs $363
    Cash dividends $0

    The State Bank And Trust Company's interest expense for loans was $5,812,000.
    The State Bank And Trust Company's payroll and benefits expense were $20,307,000.
    The State Bank And Trust Company's property, plant and equipment expenses $4,657,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $817,408
    Deposits held in domestic offices $817,408
    Deposits by Individuals, partnerships, and corporations $689,972
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $109,047
    Deposits by Commercial banks and other depository institutions in U.S. $18,389
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $59,611
    Demand deposits $59,611
    Nontransaction accounts $757,797
    Money market deposit accounts (MMDAs) $209,040
    Other savings deposits (excluding MMDAs) $306,898
    Total time deposits $241,860
    Total time and savings deposits $757,797
    Noninterest-bearing deposits $159,365
    Interest-bearing deposits $658,043
    Retail deposits $780,306
    IRAs and Keogh plan accounts $21,808
    Brokered deposits $13,235
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $984,997
    Cash & Balances due from depository institutions $48,401
    Interest-bearing balances $35,360
    Total securities $90,969
    Federal funds sold & reverse repurchase $0
    Net loans and leases $768,163
    Loan and leases loss allowance $8,167
    Trading account assets $687
    Bank premises and fixed assets $21,836
    Other real estate owned $114
    Goodwill and other intangibles $28,134
    All other assets $26,693

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $984,996
    Total Liabilities $858,489
    Total deposits $817,408
    Interest-bearing deposits $658,043
    Deposits held in domestic offices $817,408
    % insured (estimated) $82
    Federal funds purchased and repurchase agreements $15,184
    Trading liabilities $687
    Other borrowed funds $16,000
    Subordinated debt $0
    All other liabilities $9,210

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $768,163
    Loan and leases loss allowance $8,167
    Total loans and leases (domestic) $776,330
    All real estate loans $621,598
    Real estate loans in domestic offices $621,598
    Construction and development loans $73,214
    Residential 1-4 family construction $19,926
    Other construction, all land development and other land $53,288
    Loans secured by nonfarm nonresidential properties $217,841
    Nonfarm nonresidential secured by owner-occupied properties $100,614
    Commercial real estate & other non-farm, non-residential $117,227
    Multifamily residential real estate $38,999
    1-4 family residential loans $253,300
    Farmland loans $38,244
    Loans held in foreign offices $0
    Farm loans $13,767
    Commercial and industrial loans $116,826
    To non-U.S. addressees $0
    Loans to individuals $13,157
    Credit card loans $1,609
    Related Plans $60
    Consumer Auto Loans $5,551
    Other loans to individuals $5,937
    All other loans & leases $11,272
    Loans to foreign governments and official institutions $0
    Other loans $37
    Loans to depository institutions and acceptances of other banks $3,699
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $927
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    The State Bank and Trust Company had $768,163,000 of loans outstanding in 2018. $621,598,000 of loans were in real estate loans. $73,214,000 of loans were in development loans. $38,999,000 of loans were in multifamily mortgage loans. $253,300,000 of loans were in 1-4 family mortgage loans. $13,767,000 of loans were in farm loans. $1,609,000 of loans were in credit card loans. $5,551,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 401 $82,455 $205,623
    Nonfarm, nonresidential loans - <$100k 83 $3,151 $37,964
    Nonfarm, nonresidential loans - $100-250k 154 $16,735 $108,669
    Nonfarm, nonresidential loans - $250k-1MM 164 $62,569 $381,518
    Commercial & Industrial, US addressed loans - <$1MM 808 $61,040 $75,545
    Commercial & Industrial, US addressed loans - <$100k 465 $11,628 $25,006
    Commercial & Industrial, US addressed loans - $100-250k 195 $16,315 $83,667
    Commercial & Industrial, US addressed loans - $250k-1MM 148 $33,097 $223,628
    Farmland loans - <$1MM 204 $19,176 $94,000
    Farmland loans - <$100k 54 $1,665 $30,833
    Farmland loans - $100-250k 99 $7,583 $76,596
    Farmland loans - $250k-1MM 51 $9,928 $194,667
    Agriculture operations loans - <$1MM 204 $13,138 $64,402
    Agriculture operations loans - <$100k 164 $7,219 $44,018
    Agriculture operations loans - $100-250k 28 $3,234 $115,500
    Agriculture operations loans - $250k-1MM 12 $2,685 $223,750