☰

Home›
Banks›
State Bank & Trust Co.

iAdvertiser Disclosure

State Bank & Trust Co. Rates & Review October 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 and Verified: October 16, 2026

State Bank & Trust Co. rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.91%, 6-month CD rates at 2.74% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.39%. These rates come from our rate database, not State Bank & Trust Co., and you can see how they compare in the State Bank & Trust Co. rate tables below. 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 6.89%. Database rates last updated and verified on 10/16/2026.

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..

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.89%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

State Bank & Trust Co.

1025 6th St
Nevada, IA 50201

https://www.banksbt.com

Customer Reviews

Be the first to review

Write a Review

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.

Current Rate Availability

We're not currently displaying rates for State Bank & Trust Co., but our database is updated constantly, so check back soon for the latest offers.

Are you with State Bank & Trust Co.? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

State Bank & Trust Co.’s Texas Ratio rose from 0.90% in Q3 2023 to 6.89% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 4.4 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$198M	6.89%	5.0	A
March 31, 2026	$199M	7.16%	5.0	A
December 31, 2025	$196M	8.13%	5.0	A
September 30, 2025	$193M	7.29%	5.0	A
June 30, 2025	$195M	8.66%	5.0	A
March 31, 2025	$200M	9.93%	5.0	A
December 31, 2024	$199M	9.20%	5.0	A
September 30, 2024	$204M	11.51%	5.0	A
June 30, 2024	$196M	1.17%	5.0	A+
March 31, 2024	$205M	1.25%	5.0	A+
December 31, 2023	$202M	1.28%	5.0	A+
September 30, 2023	$205M	0.90%	4.4	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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

Bank Name State Bank & Trust Co.

Website https://www.banksbt.com

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

Bank Holding Company AMES NATIONAL CORP

FDIC Certificate # 15651

Regulator FDIC

Established February 25, 1939

FDIC Insurance Date February 25, 1939

Domestic Offices 1

Total Branches 1

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.89%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.4405%

Return on Equity (ROE)

14.7300%

Non-Performing Loans Ratio (NPL)

0.68%

Total Assets

$197,604,000

Total Deposits

$174,330,000

Equity Capital

$19,474,000

Net Income

$1,423,000

Headquarters

Nevada

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

State Bank & Trust Co. earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/state-bank-and-trust-co-rates-review-15651">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for State Bank & Trust Co. yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for State Bank & Trust Co.

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.