State Bank (OH)

Overview / Commentary
401 Clinton Street
Defiance, OH 43512

State Bank (OH) is headquartered in DEFIANCE and is the 27th largest bank in the state of Ohio. It is also the 808th largest bank in the nation. It was established in 1902 and as of March of 2024, it had grown to 237 employees at 24 locations. State Bank (OH) has an A health rating.

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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 Grade Components

FDIC Certificate #13339
Year Established1902
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD8.18%
Annual Interest Income$15.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.33B$1.33B
LoansQ1 2024vs Q1 2023$980.6MM$966.5MM
DepositsQ1 2024vs Q1 2023$1.12B$1.12B
Equity CapitalQ1 2024vs Q1 2023$140.7MM$139.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$15.6MM$15.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.4MM$3.4MM
Real Estate OwnedQ1 2024vs Q1 2023$510K$650K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

State Bank (OH) Savings Account Rates

0.05%*$5k*-Health Savings Accounts
OTHER TIERS: 0.02% $0 - $1k | 0.03% $1k - $5k
0.02%$0- High Performance Savings
0.01%$0-Christmas Club

State Bank (OH) Money Market Rates

0.31%$0-Single Tier Money Market
0.08%*$100k*-Select Money Market w/ State Bank Checking
OTHER TIERS: 0.03% $0 - $50k | 0.05% $50k - $100k
0.05%*$100k*-Select Money Market
OTHER TIERS: 0.01% $0 - $50k | 0.03% $50k - $100k

State Bank (OH) Checking Account Rates

1.25%*$0$20kSmart Rewards Checking - Level 3
OTHER TIERS: 0.05% $20k - $50k | 0.10% $50k+
0.15%*$0$20kClassic Rewards Checking - Level 2
OTHER TIERS: 0.05% $20k+
0.15%*$0$20kSmart Rewards Checking - Level 2
OTHER TIERS: 0.05% $20k+
0.02%*$20k*-Classic Rewards Checking - Level 1
OTHER TIERS: 0.01% $0 - $20k
0.02%*$20k*-Smart Rewards Checking - Level 1
OTHER TIERS: 0.01% $0 - $20k


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