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Advertiser Disclosure
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 The State Bank and Trust Co. Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
The State Bank and Trust Co.'s checking rates are as high as 1.25%. MonitorBankRates evaluates the financial stability of The State Bank and Trust Co. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.99%. Rates last updated and verified on 11/05/2026. The State Bank and 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 The State Bank and Trust Co.? Share your experience about The State Bank and Trust Co. by leaving a review below, or read customer reviews before you decide to use The State Bank and Trust Co.. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. The State Bank and Trust Co. Checking Rates
Financial Health HistoryThe State Bank and Trust Co.’s Texas Ratio fell from 3.03% in Q3 2023 to 1.99% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for The State Bank and 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 The State Bank and 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 The State Bank and Trust Co.'s official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
The State Bank and Trust Co.
Website
https://www.yourstatebank.com
Address
401 Clinton St,
Defiance, OH 43512 · Defiance
Bank Holding Company
SB FINANCIAL GROUP INC
FDIC Certificate #
13339
Regulator
FED
Established
March 28, 1902
FDIC Insurance Date
January 1, 1934
Domestic Offices
29
Total Branches
29
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.99%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.1727%
Return on Equity (ROE)
11.5200%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
$1,612,519,000
Total Deposits
$1,399,812,000
Equity Capital
$165,583,000
Net Income
$9,278,000
Headquarters
Defiance
Total Branches and Offices
29
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Frequently Asked Questions About The State Bank and Trust Co.What is the highest checking rate at The State Bank and Trust Co.?The highest The State Bank and Trust Co. checking rate is its Smart Rewards Checking - Level 3 at 1.25% APY, verified by MonitorBankRates as of November 5, 2026. How many branches does The State Bank and Trust Co. operate?The State Bank and Trust Co. currently maintains approximately 29 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, The State Bank and 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, The State Bank and Trust Co. provides members with tools to manage their accounts and build a solid financial history. Does The State Bank and Trust Co. offer online and mobile banking?Most modern institutions like The State Bank and 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.yourstatebank.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do The State Bank and Trust Co. rates compare?The State Bank and Trust Co.'s top rate is its Smart Rewards Checking - Level 3 at 1.25% APY, verified by MonitorBankRates on November 5, 2026. Compare to Other Banks
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