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Overview / Commentary
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 904th largest bank in the nation. It was established in 1902 and as of June of 2017, it had grown to 231 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 Grade Components

FDIC Certificate #13339
Year Established1902
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD10.49%
Annual Interest Income$15.4MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$846.3MM$791.7MM
LoansQ2 2017vs Q2 2016$653.2MM$605.8MM
DepositsQ2 2017vs Q2 2016$712.2MM$655.1MM
Equity CapitalQ2 2017vs Q2 2016$94.5MM$87.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$7.8MM$7.5MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$2.5MM$6.7MM
Real Estate OwnedQ2 2017vs Q2 2016$94.00K$157.00K
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The State Bank and Trust Company Checking Account Rates

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