State Bank & Trust Company: how it compares with its peers
Against 40 LA banks with half to twice its assets, State Bank & Trust Company's strongest measure in Q2 2026 is return on assets (1.50% vs. a 1.13% peer median). Its weakest relative measure is net interest margin (4.15% vs. 4.39%).
| Measure | State Bank & Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.50% | 1.13% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.15% | 4.39% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.13% | 68.33% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $5.6M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.78% | 80.64% | Context |
What it means for lending operations
Its efficiency ratio of 65.13% is better than the 68.33% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens Bank & Trust Company of Vivian, Louisiana Vivian, LA · $160M
- Bank of Winnfield & Trust Company Winnfield, LA · $156M
- Farmers State Bank & Trust Co. Church Point, LA · $175M
- South Lafourche Bank & Trust Company Larose, LA · $178M
- Colfax Banking Company Colfax, LA · $152M
- Feliciana Bank & Trust Company Clinton, LA · $180M
Questions about State Bank & Trust Company
How big is State Bank & Trust Company?
State Bank & Trust Company, established in 1953, is headquartered in Golden Meadow, LA. It reported $165M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is State Bank & Trust Company's return on assets?
1.50% annualized in Q2 2026, against a 1.13% median for 40 LA banks with half to twice its assets, ahead of 63% of them.
What is State Bank & Trust Company's efficiency ratio?
65.13% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 68.33%, and lower is better.
Is State Bank & Trust Company growing its loans?
Net loans grew 19.4% over the year to Q2 2026, while deposits grew 9.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.