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

Defiance, OH

LEI: UBNR8NKAK8J9JL4NZF88

Tax ID: 34-4364150

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Mortgage Data

Bank Data

Review & Overview

The State Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. The State Bank And Trust Company has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) 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 67 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.62% 3/28/24
30 Year Conventional Purchase 6.61% 3/28/24
30 Year Conventional Refi 6.51% 3/28/24
30 Year Cash-out Refi 6.60% 3/28/24
30 Year FHA Purchase 7.12% 3/28/24
30 Year FHA Refi 6.38% 3/28/24
30 Year VA Purchase 6.30% 3/28/24
30 Year USDA Purchase 6.66% 3/28/24
15 Year Conventional Purchase 5.65% 3/28/24
15 Year Conventional Refi 5.75% 3/28/24
15 Year Cash-out Refi 5.75% 3/28/24
15 Year FHA Purchase 5.68% 3/28/24
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

2,067

Origination Dollar Volume (All Markets)

$467,685,000

Employee count

247 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) 925 $258,915,000 $279,908 $3,570 3.96%
TOLEDO, OH (FHA|USDA|VA) 254 $47,900,000 $188,583 $3,710 3.93%
Outside of Metro Areas 203 $26,355,000 $129,828 $3,040 3.90%
Findlay, OH (FHA|USDA|VA) 119 $25,135,000 $211,218 $2,897 3.99%
Defiance, OH (FHA|USDA|VA) 125 $18,265,000 $146,120 $2,885 3.94%
Tiffin, OH (FHA|USDA|VA) 79 $9,805,000 $124,114 $3,305 3.90%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 35 $7,665,000 $219,000 $2,514 3.63%
MONROE, MI (FHA|USDA|VA) 37 $7,405,000 $200,135 $2,973 3.90%
Angola, IN (FHA|USDA|VA) 28 $6,510,000 $232,500 $2,846 4.19%
LIMA, OH (FHA|USDA|VA) 46 $6,090,000 $132,391 $2,805 3.94%
FORT WAYNE, IN (FHA|USDA|VA) 24 $5,190,000 $216,250 $2,913 4.03%
Auburn, IN (FHA|USDA|VA) 11 $3,825,000 $347,727 $2,511 3.92%
DAYTON-KETTERING, OH (FHA|USDA|VA) 9 $3,695,000 $410,556 $6,816 4.46%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $2,410,000 $1,205,000 $3,666 4.88%
Bucyrus-Galion, OH (FHA|USDA|VA) 8 $2,210,000 $276,250 $4,358 4.25%
Fremont, OH (FHA|USDA|VA) 14 $2,110,000 $150,714 $4,405 3.92%
Adrian, MI (FHA|USDA|VA) 9 $2,075,000 $230,556 $2,671 3.47%
Mount Vernon, OH (FHA|USDA|VA) 8 $2,020,000 $252,500 $2,908 3.80%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $1,925,000 $213,889 $3,921 4.01%
Van Wert, OH (FHA|USDA|VA) 13 $1,905,000 $146,538 $2,703 3.93%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 6 $1,790,000 $298,333 $3,383 4.06%
Sandusky, OH (FHA|USDA|VA) 11 $1,695,000 $154,091 $4,430 3.98%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,410,000 $352,500 $4,625 3.72%
Bellefontaine, OH (FHA|USDA|VA) 6 $1,250,000 $208,333 $3,558 3.79%
AKRON, OH (FHA|USDA|VA) 1 $1,085,000 $1,085,000 $0 4.62%
Washington Court House, OH (FHA|USDA|VA) 2 $1,040,000 $520,000 $7,344 4.13%
Kendallville, IN (FHA|USDA|VA) 4 $980,000 $245,000 $2,990 4.09%
Zanesville, OH (FHA|USDA|VA) 3 $975,000 $325,000 $3,452 4.54%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $955,000 $318,333 $4,246 3.71%
Holland, MI (FHA|USDA|VA) 1 $915,000 $915,000 $3,669 4.63%
Coldwater, MI (FHA|USDA|VA) 4 $910,000 $227,500 $2,946 4.75%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $905,000 $905,000 $0 4.88%
Urbana, OH (FHA|USDA|VA) 6 $860,000 $143,333 $5,722 4.15%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $790,000 $395,000 $5,432 3.81%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $750,000 $375,000 $3,482 4.38%
Wapakoneta, OH (FHA|USDA|VA) 4 $650,000 $162,500 $3,874 3.53%
Marion, OH (FHA|USDA|VA) 3 $595,000 $198,333 $2,889 3.83%
Hillsdale, MI (FHA|USDA|VA) 5 $555,000 $111,000 $2,276 3.73%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $545,000 $181,667 $2,584 4.29%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $480,000 $240,000 $3,613 3.88%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $465,000 $465,000 $4,500 3.50%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $455,000 $151,667 $4,467 4.21%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $450,000 $225,000 $5,519 3.69%
Chillicothe, OH (FHA|USDA|VA) 2 $420,000 $210,000 $4,355 3.81%
Norwalk, OH (FHA|USDA|VA) 3 $405,000 $135,000 $2,985 4.04%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $385,000 $385,000 $4,133 3.50%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $365,000 $365,000 $3,498 4.75%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $365,000 $365,000 $1,900 3.88%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $340,000 $170,000 $2,218 3.88%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $335,000 $335,000 $12,661 3.50%
MANSFIELD, OH (FHA|USDA|VA) 2 $300,000 $150,000 $3,286 4.50%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $295,000 $295,000 $3,457 4.88%
Decatur, IN (FHA|USDA|VA) 2 $260,000 $130,000 $2,316 3.44%
Warsaw, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,786 3.75%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $225,000 $225,000 $2,799 3.00%
Wilmington, OH (FHA|USDA|VA) 1 $215,000 $215,000 $10,231 4.25%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $2,896 3.63%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $195,000 $195,000 $5,812 4.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,729 4.38%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $185,000 $185,000 $6,050 4.63%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,555 4.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $145,000 $145,000 $4,027 3.75%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,352 3.88%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $115,000 $115,000 $3,009 4.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $105,000 $105,000 $3,465 4.50%
Georgetown, SC (FHA|USDA|VA) 1 $95,000 $95,000 $5,445 3.63%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $65,000 $65,000 $2,430 3.38%
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)
  • New York (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,891 $437,765,000 $231,499 $3,156 3.95%
    FHA 103 $16,645,000 $161,602 $5,947 3.97%
    VA 45 $9,535,000 $211,889 $6,934 3.82%
    USDA 28 $3,740,000 $133,571 $4,510 4.04%

    For 2019, The State Bank And Trust Company's most frequently originated type of loan was Conventional, with 1,891 originations. Their 2nd most popular type was FHA, with 103 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,345 $301,155,000 $223,907 $3,810 4.05%
    Refi 432 $111,610,000 $258,356 $2,460 3.71%
    Cash Out Refi 290 $54,920,000 $189,379 $2,937 3.87%

    For 2019, The State Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 1,345 originations. The 2nd most popular reason was Refi, with 432 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,610 $353,760,000 $219,727 $3,623 4.02%
    15 Year 283 $55,325,000 $195,495 $2,520 3.54%
    20 Year 91 $18,925,000 $207,967 $2,534 4.00%
    10 Year 45 $20,295,000 $451,000 $2,087 4.09%
    Other 35 $17,055,000 $487,286 $2,519 3.86%
    5 Year 2 $680,000 $340,000 $0 5.38%
    30+ year 1 $1,645,000 $1,645,000 $9,856 5.13%

    For 2019, The State Bank And Trust Company's most frequently cited loan duration was 30 Year, with 1,610 originations. The 2nd most popular length was 15 Year, with 283 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,247 $262,895,000 $210,822
    $1k-2k 520 $111,070,000 $213,596
    $2k-3k 143 $34,515,000 $241,364
    $3k-4k 45 $10,625,000 $236,111
    $5k+ 27 $8,425,000 $312,037
    $4k-5k 25 $6,985,000 $279,400

    The State Bank And Trust Company's average total fees were $3,623, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,247 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,245 $284,265,000 $228,325
    4-5% 680 $156,830,000 $230,632
    5-6% 72 $12,860,000 $178,611
    2.5-3% 48 $9,060,000 $188,750
    <2.5% 18 $4,380,000 $243,333
    6-7% 4 $290,000 $72,500

    During 2019, The State Bank And Trust Company's average interest rate for loans was 4.02%, while their most frequently originated rate bucket for loans was 3-4%, with 1,245 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 754 $111,150,000 $147,414 $3,250 3.94%
    $200k-400k 751 $209,015,000 $278,316 $3,770 3.86%
    $100,000 or less 373 $26,305,000 $70,523 $2,552 4.16%
    $400k-600k 139 $63,975,000 $460,252 $4,062 3.85%
    $600k-1MM 36 $27,680,000 $768,889 $4,470 4.07%
    $1MM+ 14 $29,560,000 $2,111,429 $6,207 4.49%

    2019 saw The State Bank And Trust Company place emphasis on $100k-200k loans with 754 originations, totaling $111,150,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 411 $99,765,000 $242,737 $3,561 3.92%
    $50k-75k 405 $62,285,000 $153,790 $3,329 3.92%
    $50k or less 386 $39,930,000 $103,446 $2,944 4.06%
    $75k-100k 352 $67,810,000 $192,642 $3,444 3.93%
    $150k-250k 321 $102,415,000 $319,050 $3,625 3.86%
    $250k+ 138 $61,380,000 $444,783 $3,853 3.89%

    The State Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 411 originations. The second most popular income band? $50k-75k, with 405 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 562 $121,550,000 $216,281 $3,079 3.86%
    30-36% 405 $87,785,000 $216,753 $3,574 3.94%
    <20% 186 $40,060,000 $215,376 $2,871 3.75%
    38% 89 $19,865,000 $223,202 $3,638 3.95%
    43% 79 $16,695,000 $211,329 $3,819 3.93%
    39% 74 $15,040,000 $203,243 $3,273 4.05%
    44% 73 $15,345,000 $210,205 $3,793 4.09%
    37% 72 $14,060,000 $195,278 $3,630 4.05%
    40% 71 $15,395,000 $216,831 $3,953 3.97%
    41% 70 $13,760,000 $196,571 $3,748 3.94%
    42% 69 $15,015,000 $217,609 $3,677 3.98%
    36% 62 $14,120,000 $227,742 $3,610 3.94%
    47% 44 $10,400,000 $236,364 $3,722 4.13%
    45% 42 $9,580,000 $228,095 $3,796 4.09%
    46% 38 $9,380,000 $246,842 $3,431 4.08%
    48% 35 $7,895,000 $225,571 $3,163 3.93%
    49% 32 $6,750,000 $210,938 $3,849 4.10%
    50-60% 5 $1,155,000 $231,000 $2,597 3.73%
    >60% 2 $600,000 $300,000 $2,600 3.88%

    The State Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 562 originations. The next most common DTI ratio? 30-36%, with 405 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,829 $391,575,000 $214,092 $3,392 3.93%
    Not applicable 33 $27,265,000 $826,212 $0 4.70%
    Not provided 87 $21,925,000 $252,011 $3,527 3.96%
    Asian 58 $15,710,000 $270,862 $3,289 3.94%
    Black 58 $10,650,000 $183,621 $3,684 4.12%
    Asian Indian 1 $365,000 $365,000 $4,066 3.25%
    American Indian 1 $195,000 $195,000 $3,056 3.75%

    Approval Rates

    Total approvals of all applications
    94.02%

    The State Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.79%

    The State Bank And Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,067 $467,685,000 $226,263

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 21 $26,215,000 $1,248,333
    Single Family (1-4 Units):Manufactured 9 $1,075,000 $119,444
    Single Family (1-4 Units):Site-Built 2,037 $440,395,000 $216,198

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 43 $4,615,000 $107,326 $2,193 3.92%
    40-60% 155 $30,385,000 $196,032 $2,444 3.62%
    60-80% 733 $179,825,000 $245,327 $3,027 3.94%
    80-100% 1,113 $246,765,000 $221,712 $3,757 4.01%
    Over 100% 12 $3,040,000 $253,333 $9,689 3.59%
    Under 20% 11 $3,055,000 $277,727 $997 4.65%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The State Bank and Trust Company 1600 North Clinton Street Defiance, OH 43512 Full Service B&M $37,556
    The State Bank and Trust Company 119 South State Street Pioneer, OH 43554 Full Service B&M $28,652
    The State Bank and Trust Company 1201 East Main Street Montpelier, OH 43543 Full Service B&M $42,974
    The State Bank and Trust Company 1232 N. Main St. Bowling Green, OH 43402 Full Service B&M $10,874
    The State Bank and Trust Company 12832 Coldwater Road Fort Wayne, IN 46845 Full Service B&M $46,361
    The State Bank and Trust Company 133 East Morenci Street Lyons, OH 43533 Full Service B&M $23,530
    The State Bank and Trust Company 1419 West High Street Bryan, OH 43506 Full Service B&M $43,510
    The State Bank and Trust Company 201 E. Lincoln Street Findlay, OH 45840 Full Service B&M $12,527
    The State Bank and Trust Company 218 North First Street Oakwood, OH 45873 Full Service B&M $24,555
    The State Bank and Trust Company 235 Main Street Luckey, OH 43443 Full Service B&M $30,598
    The State Bank and Trust Company 311 North Main Street Walbridge, OH 43465 Full Service B&M $31,969
    The State Bank and Trust Company 312 Main Street Delta, OH 43515 Full Service B&M $19,369
    The State Bank and Trust Company 401 Clinton Street Defiance, OH 43512 Full Service B&M $226,858
    The State Bank and Trust Company 4080 West Dublin-Granville Road Dublin, OH 43017 Full Service B&M $56,039
    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 $37,212
    The State Bank and Trust Company 610 East South Boundary Perrysburg, OH 43551 Full Service B&M $27,656
    The State Bank and Trust Company 6401 Monroe Street Sylvania, OH 43560 Full Service B&M $35,075
    The State Bank and Trust Company 930 West Market Street Lima, OH 45805 Full Service B&M $56,028
    The State Bank and Trust Company Main And Caroline Streets Paulding, OH 45879 Full Service B&M $55,143

    For 2019, The State Bank And Trust Company had 20 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $44,362
    Net interest income $35,218
    Total noninterest income $17,035
    Gross Fiduciary activities income $3,137
    Service charges on deposit accounts $2,499
    Trading account gains and fees $513
    Additional Noninterest Income $10,886
    Pre-tax net operating income $15,419
    Securities gains (or losses, -) $206
    Income before extraordinary items $12,526
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,526
    Minority interest net income $0
    Net income $12,526
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $12,361

    The State Bank And Trust Company's gross interest income from loans was $44,362,000.
    The State Bank And Trust Company's net interest income from loans was $35,218,000.
    The State Bank And Trust Company's fee based income from loans was $2,499,000.
    The State Bank And Trust Company's net income from loans was $12,526,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $9,144
    Provision for credit losses $800
    Total noninterest expense $36,034
    Salaries and employee benefits $21,198
    Premises and equipment expense $4,967
    Additional noninterest expense $9,869
    Applicable income taxes $3,099
    Net charge-offs $213
    Cash dividends $6,000

    The State Bank And Trust Company's interest expense for loans was $9,144,000.
    The State Bank And Trust Company's payroll and benefits expense were $21,198,000.
    The State Bank And Trust Company's property, plant and equipment expenses $4,967,000.

    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 $854,256
    Deposits held in domestic offices $854,256
    Deposits by Individuals, partnerships, and corporations $731,758
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $112,941
    Deposits by Commercial banks and other depository institutions in U.S. $9,556
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $67,469
    Demand deposits $67,469
    Nontransaction accounts $786,787
    Money market deposit accounts (MMDAs) $215,441
    Other savings deposits (excluding MMDAs) $313,189
    Total time deposits $258,158
    Total time and savings deposits $786,787
    Noninterest-bearing deposits $172,312
    Interest-bearing deposits $681,944
    Retail deposits $817,366
    IRAs and Keogh plan accounts $19,814
    Brokered deposits $5,234
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,029,694
    Cash & Balances due from depository institutions $24,455
    Interest-bearing balances $13,992
    Total securities $100,704
    Federal funds sold & reverse repurchase $0
    Net loans and leases $824,014
    Loan and leases loss allowance $8,755
    Trading account assets $0
    Bank premises and fixed assets $22,244
    Other real estate owned $293
    Goodwill and other intangibles $27,718
    All other assets $30,266

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,029,694
    Total Liabilities $895,451
    Total deposits $854,256
    Interest-bearing deposits $681,944
    Deposits held in domestic offices $854,256
    % insured (estimated) $84
    Federal funds purchased and repurchase agreements $12,945
    Trading liabilities $0
    Other borrowed funds $16,198
    Subordinated debt $0
    All other liabilities $12,052

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $824,014
    Loan and leases loss allowance $8,755
    Total loans and leases (domestic) $832,769
    All real estate loans $651,988
    Real estate loans in domestic offices $651,988
    Construction and development loans $72,181
    Residential 1-4 family construction $18,510
    Other construction, all land development and other land $53,671
    Loans secured by nonfarm nonresidential properties $237,995
    Nonfarm nonresidential secured by owner-occupied properties $111,350
    Commercial real estate & other non-farm, non-residential $126,645
    Multifamily residential real estate $33,153
    1-4 family residential loans $272,919
    Farmland loans $35,740
    Loans held in foreign offices $0
    Farm loans $15,254
    Commercial and industrial loans $134,226
    To non-U.S. addressees $0
    Loans to individuals $13,524
    Credit card loans $1,792
    Related Plans $61
    Consumer Auto Loans $5,858
    Other loans to individuals $5,813
    All other loans & leases $18,028
    Loans to foreign governments and official institutions $0
    Other loans $227
    Loans to depository institutions and acceptances of other banks $3,929
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $874
    Non 1-4 family restructured loans & leases $11
    Total loans and leases (foreign) $0

    The State Bank and Trust Company had $824,014,000 of loans outstanding in 2019. $651,988,000 of loans were in real estate loans. $72,181,000 of loans were in development loans. $33,153,000 of loans were in multifamily mortgage loans. $272,919,000 of loans were in 1-4 family mortgage loans. $15,254,000 of loans were in farm loans. $1,792,000 of loans were in credit card loans. $5,858,000 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 411 $86,531 $210,538
    Nonfarm, nonresidential loans - <$100k 89 $3,744 $42,067
    Nonfarm, nonresidential loans - $100-250k 153 $17,050 $111,438
    Nonfarm, nonresidential loans - $250k-1MM 169 $65,737 $388,976
    Commercial & Industrial, US addressed loans - <$1MM 818 $58,677 $71,732
    Commercial & Industrial, US addressed loans - <$100k 466 $11,526 $24,734
    Commercial & Industrial, US addressed loans - $100-250k 190 $13,410 $70,579
    Commercial & Industrial, US addressed loans - $250k-1MM 162 $33,741 $208,278
    Farmland loans - <$1MM 190 $17,211 $90,584
    Farmland loans - <$100k 49 $1,416 $28,898
    Farmland loans - $100-250k 88 $6,149 $69,875
    Farmland loans - $250k-1MM 53 $9,646 $182,000
    Agriculture operations loans - <$1MM 207 $14,348 $69,314
    Agriculture operations loans - <$100k 161 $7,370 $45,776
    Agriculture operations loans - $100-250k 32 $3,403 $106,344
    Agriculture operations loans - $250k-1MM 14 $3,575 $255,357