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Overview / Commentary
317-994-5115
206 North State Street
Lizton, IN 46149

State Bank of Lizton is headquartered in Lizton and is the 39th largest bank in the state of Indiana. It is also the 1,762nd largest bank in the nation. It was established in 1910 and as of June of 2014, it had grown to 83 employees at 11 locations. State Bank of Lizton has a B health rating.

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Health

Data for Q2 2014

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 State Bank of Lizton had $7.15 million in non-current loans and owned real-estate with $46.69 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Lizton a Texas Ratio of 15.32% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for State Bank of Lizton experienced no significant changes from 14.67% as of June 30, 2013 to 15.32% as of June 30, 2014, resulting in a negative change of 4.47%. This indicates that the balance sheet and financial strength for State Bank of Lizton has had no significant changes in recent periods.

Deposit Growth

GRADE:
D

In the past year, State Bank of Lizton has decreased its total deposits by -$19.46 million, resulting in -5.63% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth State Bank of Lizton has shown is below average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. State Bank of Lizton has $374.67 million in assets with $46.69 million in equity, resulting in a capitalization level of 12.46%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #1833
Year Established1910
Employees83
Primary RegulatorFDIC
Assets and Liabilities
Assets$374.67 million
Loans$226.11 million
Deposits$326.25 million
Equity Capital$41.59 million
Loan Loss Allowance$5.09 million
Unbacked Noncurrent Loans$4.39 million
Real Estate Owned$2.76 million
Historic Data - June 2013
Assets$392.71 million
Equity Capital$40.28 million
Loan Loss Allowance$5.35 million
Unbacked Noncurrent Loans$4.39 million
Real Estate Owned$3.19 million
Profit Margin - Quarterly
Return on Assets0.9%
Return on Equity8.21%
Interest Income$6.49 million
Rates

Always verify rates and promotions with the bank or credit union. We are not State Bank of Lizton, we are a rate comparison website and can not provide official rates or promotions.

State Bank of Lizton Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.03%$25-Statement Savings
0.03%--Youth Savings
0.03%$25-Holiday Savings
0.03%--Health Savings Account

State Bank of Lizton Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$100k-Money Market Select Account
0.15%$250k-Premium Money Market

State Bank of Lizton Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.00%-$15kHigh Growth Checking - Qualifying
0.15%$100k-Legacy Checking
0.03%--High Growth Checking - Non-Qualifying

State Bank of Lizton CD Rates

DetailsAPYMINMAXPRODUCT
0.95%$2,500-48 Month CD
0.75%$2,500-60 Month CD
0.60%$10k-27 Month CD Special
0.45%$10k-17 Month CD Special
0.40%$2,500-36 Month CD
0.25%$2,500-24 Month CD
0.20%$2,500-18 Month CD
0.15%$2,500-12 Month CD
0.10%$2,500-182 Day CD
0.05%$2,500-91 Day CD

State Bank of Lizton IRA Rates

DetailsAPYMINMAXPRODUCT
0.75%$500-60 Month Fixed IRA
0.40%$500-36 Month Fixed IRA
0.30%$500-18 Month Variable IRA
0.25%$500-24 Month Fixed IRA
0.20%$500-18 Month Fixed IRA
0.15%$500-12 Month Fixed IRA
Locations


State Bank of Lizton Locations
Lebanon Branch1801 Indianapolis AvenueLebanon, IN 46052
State Bank Of Lizton206 North State StreetLizton, IN 46149
Plainfield Branch2100 Stafford RoadPlainfield, IN 46168
Jamestown Branch33 Brush StreetJamestown, IN 46147
Pittsboro Branch35 South Maple StreetPittsboro, IN 46167
Avon Branch5201 East US Highway 36, Suite 213Avon, IN 46123
Marketplace Branch6529 East State Road 334Zionsville, IN 46077
Eastern Branch7600 East 700 NorthBrownsburg, IN 46112
Thorntown Branch7984 West State Road 32Thorntown, IN 46071
56th Street Branch900 East 56th StreetBrownsburg, IN 46112