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State Bank & Trust Co.

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State Bank & Trust Co. Rates & Review June 2026

Q: How many branches does State Bank & Trust Co. operate?

State Bank & Trust Co. currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, State Bank & Trust Co. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, State Bank & Trust Co. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 4, 2026

You can compare State Bank & Trust Co. rates to other rates in our database, including 12-month CD rates currently at 2.95%, 6-month CD rates at 0.10% and 3-month CD rates at 4.25%. Savings rates are at 0.01% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to State Bank & Trust Co. rates. MonitorBankRates evaluates the financial stability of State Bank & Trust Co. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.90%. Rates were last updated on 06/04/2026.

State Bank & Trust Co. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at State Bank & Trust Co.? Share your experience about State Bank & Trust Co. by leaving a review below, or read customer reviews before you decide to use State Bank & Trust Co..

Exceptional Health Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.90%

Excellent Lower than avg

State Bank & Trust Co.

1025 6th St
Nevada, IA 50201

https://www.banksbt.com

Current Rate Availability

We do not have State Bank & Trust Co. rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for State Bank & Trust Co. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather State Bank & Trust Co. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with State Bank & Trust Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name State Bank & Trust Co.

Bank Holding Company AMES NATIONAL CORP

Address 1025 6th St, Nevada, IA 50201 · Story

Website https://www.banksbt.com

FDIC Certificate # 15651

Established 02/25/1939

FDIC Insurance Date 02/25/1939

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.90%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6557%

Return on Equity (ROE) 10.2800%

Non-Performing Loans (NPL) 0.06%

Total Assets $196,359,000

Total Deposits $170,868,000

Equity Capital $19,362,000

Net Income $2,411,000

Headquarters Nevada

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

State Bank & Trust Co. earned the Exceptional Health badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-a-2026.svg"
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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Total Reviews

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Frequently Asked Questions About State Bank & Trust Co.

How many branches does State Bank & Trust Co. operate?

State Bank & Trust Co. currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, State Bank & Trust Co. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, State Bank & Trust Co. provides members with tools to manage their accounts and build a solid financial history.

Does State Bank & Trust Co. offer online and mobile banking?

Most modern institutions like State Bank & Trust Co. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.banksbt.com.