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The State Bank and Trust Company

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
0.15%Reward CheckingSmart Rewards Checking - Level 2
1.50%3-year CD39 Month CD
0.02%CheckingSmart Rewards Checking - Level 1

Overview / Commentary
419-783-8950
401 Clinton Street
Defiance, OH 43512

The State Bank and Trust Company is headquartered in Defiance and is the 25th largest bank in the state of Ohio. It is also the 924th largest bank in the nation. It was established in 1902 and as of September of 2016, it had grown to 216 employees at 19 locations. The State Bank and Trust Company has an A+ health rating.

Reviews (1)

Great bank for your needs

I've been banking at The State Bank and Trust Company for several years and have never had a problem. I have both a checking account and savings account put in and take out money from each account monthly. I also bank online sometimes, since the bank has a website that allows you to deposit and take out money online if you choose to do so. It's very convenient for me, since I am not able to get to the bank on some occasions before they close. The only problem I have ever had was forgetting my password, but that was my own fault. Every customer service representative has been very nice to me and I have never had any kind of identity theft. I think it is a worthwhile bank to distribute your funds.



Health
A+

Health Grade Components

Overall
FDIC Certificate #13339
Year Established1902
Employees216
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD11.01%
Annual Interest Income$21.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$800.3MM$718.0MM
LoansQ3 2016vs Q3 2015$617.9MM$542.3MM
DepositsQ3 2016vs Q3 2015$667.8MM$583.8MM
Equity CapitalQ3 2016vs Q3 2015$89.9MM$80.7MM
Loan Loss AllowanceQ3 2016vs Q3 2015$7.3MM$7.1MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$2.9MM$6.7MM
Real Estate OwnedQ3 2016vs Q3 2015$73.00K$188.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The State Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*-$50kSmart Rewards Checking - Level 3
OTHER TIERS: 0.53% $50k+
0.15%*-$50kClassic Rewards Checking - Level 2
OTHER TIERS: 0.09% $50k+
0.15%*-$50kSmart Rewards Checking - Level 2
OTHER TIERS: 0.09% $50k+
0.02%*$50k*-Classic Rewards Checking - Level 1
OTHER TIERS: 0.01% Up to $50k
0.02%*$50k*-Smart Rewards Checking - Level 1
OTHER TIERS: 0.01% Up to $50k

The State Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-39 Month CD
Locations

The State Bank and Trust Company has 19 locations. Click to view all The State Bank and Trust Company locations.