The State Bank And Trust Company is a bank based in Defiance, Ohio, established in 1902, with $1.6 billion in total assets across 29 branches. By Trust Grade it ranks 5th of 157 banks we track in Ohio. Its capital ratio of 10.1% trails most similarly sized banks (46th percentile), versus a Ohio median of 10.3%. It was profitable over the most recent period, with a 1.19% return on assets. No consumer complaints against The State Bank And Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The State Bank And Trust Company compares to Ohio peers
How we graded The State Bank And Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.1% capital ratio)
- Strongly profitable (ROA 1.19%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The State Bank And Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (29)
- 235 Main St, Luckey, OH 43443
- 311 N Main St, Walbridge, OH 43465
- 259 S Bridge Rd, Marblehead, OH 43440
- 500 W 3rd St, Defiance, OH 43512
- 1600 N Clinton St, Defiance, OH 43512
- 220 N Main St, Paulding, OH 45879
- 1201 E Main St, Montpelier, OH 43543
- 6401 Monroe St, Sylvania, OH 43560
- 9400 N Shore Blvd, Marblehead, OH 43440
- 1419 W High St, Bryan, OH 43506
- 930 W Market St, Lima, OH 45805
- 12832 Coldwater Rd, Fort Wayne, IN 46845
- 312 Main St, Delta, OH 43515
- 133 East Morenci Street, Lyons, OH 43533
- 201 E Lincoln St, Findlay, OH 45840
- 610 E South Boundary St, Perrysburg, OH 43551
- 218 North First Street, Oakwood, OH 45873
- 4080 W Dublin Granville Rd, Dublin, OH 43017
- 1232 N Main St, Bowling Green, OH 43402
- 1379 N Shoop Ave, Wauseon, OH 43567
- 408 S Main St, Findlay, OH 45840
- 709 W Main St, Marblehead, OH 43440
- 187 N Michigan Ave, Edgerton, OH 43517
- 104 N Michigan Ave, Edgerton, OH 43517
- 119 S State St, Pioneer, OH 43554
- 307 North Wayne Street, Angola, IN 46703
- 1414 Scott St, Napoleon, OH 43545
- 101 N Michigan St, Edon, OH 43518
- 401 Clinton St, Defiance, OH 43512
Are deposits at The State Bank And Trust Company insured?
Yes. The State Bank And Trust Company is an FDIC-insured bank (FDIC certificate #13339). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The State Bank And Trust Company: frequently asked questions
Is The State Bank And Trust Company a good bank?
The State Bank And Trust Company earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.1% capital ratio); Strongly profitable (ROA 1.19%).
Is The State Bank And Trust Company FDIC-insured?
Yes. The State Bank And Trust Company is a FDIC-insured bank (FDIC certificate #13339). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The State Bank And Trust Company?
The State Bank And Trust Company holds $1.6 billion in total assets, ranking 5th of 157 banks we track in Ohio. It operates 29 branches.
Does The State Bank And Trust Company have CFPB complaints?
No CFPB complaints against The State Bank And Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
