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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Winfield, AL · FDIC certificate #861
STATE BANK&TRUST is an FDIC-insured institution based in Winfield, AL (FDIC certificate #861). In its Q3 2026 Call Report it reported total assets of $433M, total deposits of $379M and net loans of $298M. Its primary federal regulator is FDIC.
Plain-language readout
STATE BANK&TRUST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $433M in Q3 2026 and were lowest at $407M in Q1 2026.
Total deposits were highest at $379M in Q3 2026 and lowest at $363M in Q2 2026.
Over the whole period total assets rose 6.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $433M | $379M | $298M | 0.78% | 15.39% | 3.30% |
| Q2 2026 | $413M | $363M | $276M | 0.89% | 16.39% | 3.27% |
| Q1 2026 | $407M | $363M | $266M | 0.88% | 16.48% | 3.21% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $13.1M | $12.4M | +$737K | +6.0% |
| Federal funds sold | $3.8M | $8.8M | -$5.0M | -56.8% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $103.3M | $103.5M | -$238K | -0.2% |
| Equity securities with readily determinable fair values, not held for trading | $65K | $66K | -$1K | -1.5% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $276.0M | $265.6M | +$10.4M | +3.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.1M | $3.0M | +$32K | +1.1% |
| Other real estate owned | $213K | $505K | -$292K | -57.8% |
| Investments in unconsolidated subsidiaries and associated companies | $1.4M | $1.3M | +$83K | +6.5% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $32K | $32K | $0K | 0.0% |
| All other assets | $12.1M | $11.9M | +$263K | +2.2% |
| Total assets | $413.0M | $407.1M | +$5.9M | +1.5% |
| Liabilities | ||||
| Total deposits | $362.6M | $363.4M | -$829K | -0.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $23.5M | $18.5M | +$5.0M | +26.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.7M | $3.9M | -$176K | -4.6% |
| Total liabilities | $389.8M | $385.8M | +$4.0M | +1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $175K | $175K | $0K | 0.0% |
| Surplus | $1.5M | $1.5M | $0K | 0.0% |
| Retained earnings | $36.2M | $35.8M | +$431K | +1.2% |
| Accumulated other comprehensive income | -$14.7M | -$16.2M | +$1.5M | +9.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.3M | $21.3M | +$2.0M | +9.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.6M | $2.1M | -$417K | -20.3% |
| Adjusted nonperforming assets | $1.6M | $2.1M | -$417K | -20.3% |
| Tangible equity plus allowance | $25.8M | $24.0M | +$1.8M | +7.3% |
| Texas ratio (gross) | 6.35% | 8.55% | -2.20 pts | See points |
| Texas ratio (adjusted) | 6.35% | 8.55% | -2.20 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 9.49% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.01% | 9.05% | -0.04 pts | See points |
| Construction and land loans to total capital | 67.54% | 66.53% | +1.01 pts | See points |
| Commercial real estate to total capital | 121.86% | 114.71% | +7.15 pts | See points |
| Dividend payout, year to date | 41.12% | 28.31% | +12.81 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -41.32% | -46.14% | +4.82 pts | See points |
| Liquidity | ||||
| Core deposits | $246.5M | $245.2M | +$1.3M | +0.5% |
| Non-core funding | $139.6M | $136.7M | +$2.9M | +2.1% |
| Loans to core deposits | 112.99% | 109.43% | +3.56 pts | See points |
| Loans to deposits | 76.82% | 73.84% | +2.98 pts | See points |
| Brokered deposits share of deposits | 6.45% | 5.79% | +0.66 pts | See points |
| Pledged securities share of securities | 62.10% | 61.44% | +0.66 pts | See points |
| Loans pledged, share of loans | 31.55% | 30.72% | +0.83 pts | See points |
| Volatile liabilities | $139.6M | $136.7M | +$2.9M | +2.1% |
| Earnings | ||||
| Earnings before provision, year to date | $2.1M | $1.0M | +$1.1M | +107.9% |
| Earnings before provision, single quarter | $1.1M | $1.0M | +$82K | +7.9% |
| Provision for credit losses, year to date | $254K | $104K | +$150K | +144.2% |
| Yield and cost | ||||
| Yield on loans and leases | 7.39% | 7.32% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 2.44% | 2.39% | +0.04 pts | See points |
| Total interest income to average assets | 5.67% | 5.52% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 2.33% | 2.05% | +0.29 pts | See points |
| Cost of savings and money market deposits | 2.34% | 2.26% | +0.09 pts | See points |
| Cost of time deposits | 3.72% | 3.71% | +0.01 pts | See points |
| Total interest expense to average assets | 2.59% | 2.57% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $433M | $379M | $298M | 0.78% | 15.39% | 3.30% |
| 2026-06-30 | $413M | $363M | $276M | 0.89% | 16.39% | 3.27% |
| 2026-03-31 | $407M | $363M | $266M | 0.88% | 16.48% | 3.21% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $334.9M | 0.24% | 56 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.