State Bank & Trust Co.

State Bank & Trust Co. is headquartered in Dillon and is the 36^th largest bank in the state of Montana. It is also the 5,070^th largest bank in the nation. It was established in 1899 and as of March of 2012, it had grown to 26 employees at 1 location. State Bank & Trust Co.'s savings rates are 54% higher than the national average, and it has a 4-star health rating.

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State Bank & Trust Co. CD Rates

Data for Q1 2012

Institution Statistics State Bank & Trust Co. FDIC Certificate # 357 BankRate Report View Year Established 1899 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $95.62 million Loans $49.47 million Deposits $85.24 million Equity Capital $9.82 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $1.24 million Historic Data - March 2011 Assets $93.00 million Equity Capital $8.88 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $897,000 Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 0.92% Return on Equity 9.21% Interest Income $907,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 State Bank & Trust Co. had $1.24 million in non-current loans and owned real-estate with $10.88 million in equity and loan loss allowances on hand to cover it. This gives State Bank & Trust Co. a Texas Ratio of 11.39% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for State Bank & Trust Co. held steady from 9.04% as of March 31, 2011 to 11.39% as of March 31, 2012, resulting in a negative change of 26.02%. This indicates that the balance sheet and financial strength for State Bank & Trust Co. has held steady in recent periods. Deposit Growth In the past year, State Bank & Trust Co. has increased its total deposits by $2.17 million, resulting in 2.62% 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 & Trust Co. has shown is above average. Capitalization 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 & Trust Co. has $95.62 million in assets with $10.88 million in equity, resulting in a capitalization level of 11.37%, which is above average.

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