The State Bank And Trust Company vs The Citizens Bank Company
Comparing a Bank in Defiance, OH with a Bank in Beverly, OH using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The State Bank And Trust Company ↗ Bank · Defiance, OH · Est. 1902 | The Citizens Bank Company ↗ Bank · Beverly, OH · Est. 1863 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Defiance, OH | Beverly, OH |
| Total assets | $1.6B | $329.7M |
| Capital ratio | 10.1% | 12.1% |
| Return on assets | 1.2% | 1.6% |
| Deposits | $1.4B | $285.5M |
| Branches | 29 | 5 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 157 | #1 of 157 |
| Established | 1902 | 1863 |
The State Bank And Trust Company
- Assets: $1.6B
- Deposits: $1.4B
- Capital ratio: 10.1%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #5 of 157
The Citizens Bank Company
- Assets: $329.7M
- Deposits: $285.5M
- Capital ratio: 12.1%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #1 of 157
Are both institutions federally insured?
Yes. The State Bank And Trust Company is FDIC-insured and The Citizens Bank Company is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The State Bank And Trust Company or The Citizens Bank Company?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The State Bank And Trust Company scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The State Bank And Trust Company safe?
Yes — The State Bank And Trust Company is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is The Citizens Bank Company safe?
Yes — The Citizens Bank Company is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The State Bank And Trust Company vs The Citizens Bank Company?
The State Bank And Trust Company has a capital ratio of 10.1%, placing it in the bottom 46% of $1B–10B peers. The Citizens Bank Company's ratio is 12.1%, placing it in the top 26% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The State Bank And Trust Company have compared to The Citizens Bank Company?
The CFPB database shows 0 complaints against The State Bank And Trust Company, and 0 complaints against The Citizens Bank Company. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The State Bank And Trust Company with other Banks in Ohio
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
