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BDI
SB

The State Bank and Trust Company

Defiance, OhioFDIC Cert #13339

STATEEstablished 190229 branches

Holding company: SB FINANCIAL GROUP INCRegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.03%
−27.5%y/y
Peer standing90th percentile
Peer standing in ubpr:primary:4
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + LNLSGR
Nonaccrual %
0.32%
−42.4%y/y
Peer standing61st percentile
Peer standing in ubpr:primary:4
FDICNAASSET + LNLSGR
Noncurrent %
0.32%
−42.4%y/y
Peer standing64th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.29%
−28.1%y/y
Peer standing61st percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$4.66M
−23.1%y/y
Peer standing62nd percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.01%
−71.7%y/y
Peer standing54th percentile
Peer standing in ubpr:primary:4
FDICNTLNLS + LNLSGR
NCO
$26K
−69.0%y/y
Peer standing52nd percentile
Peer standing in ubpr:primary:4
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.38%
−2.1%y/y
Percentile by value74th percentileby value
Peer standing in ubpr:primary:4
FDICLNATRES + LNLSGR
30–89
$402K
−21.2%y/y
Peer standing89th percentile
Peer standing in ubpr:primary:4
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET
Nonaccrual
$3.79M
−37.3%y/y
Peer standing58th percentile
Peer standing in ubpr:primary:4
FDICNAASSET