Listed locations
28
Institution profile
The State Bank and Trust Company
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- The State Bank and Trust Company
- Display name
- The State Bank and Trust Company
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- March 28, 1902
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Defiance, OH, 43512, United States
- FDIC certificate number
- 13339
- Federal Reserve RSSD ID
- 614313
- Domestic location count
- 29
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 13339
- Federal Reserve RSSD ID
- 614313
- LEI
- UBNR8NKAK8J9JL4NZF88
- Headquarters
- 401 Clinton, Defiance, OH, 43512, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 28 of 28 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| ANGOLA BANKING CENTER | 307 North Wayne Street | Angola | IN | 46703 |
| FORT WAYNE BRANCH | 12832 Coldwater Road | Fort Wayne | IN | 46845 |
| BOWLING GREEN BANKING CENTER | 1232 N. Main St. | Bowling Green | OH | 43402 |
| BRYAN BANKING OFFICE | 1419 West High Street | Bryan | OH | 43506 |
| MOTOR BRANCH | 510 Third Street | Defiance | OH | 43512 |
| NORTH CLINTON BRANCH | 1600 North Clinton Street | Defiance | OH | 43512 |
| DELTA BRANCH | 312 Main Street | Delta | OH | 43515 |
| DUBLIN BANKING CENTER | 4080 West Dublin-granville RD | Dublin | OH | 43017 |
| EDGERTON BANKING CENTER | 104 N. Michigan Avenue | Edgerton | OH | 43517 |
| EDGERTON MOTORBANK | 187 N. Michigan Avenue | Edgerton | OH | 43517 |
| EDON BANKING CENTER | 101 North Michigan Street | Edon | OH | 43518 |
| FINDLAY BANKING CENTER, LINCOLN | 201 E. Lincoln Street | Findlay | OH | 45840 |
| FINDLAY BANKING CENTER, MAIN | 408 South Main St. Ste A | Findlay | OH | 45840 |
| MARKET STREET BANKING CENTER | 930 West Market Street | Lima | OH | 45805 |
| LUCKEY BRANCH | 235 Main Street | Luckey | OH | 43443 |
| LYONS BRANCH | 133 East Morenci Street | Lyons | OH | 43533 |
| MARBLEHEAD BANK BRIDGE ROAD BANKING CENTER | 259 South Bridge Road | Marblehead | OH | 43440 |
| MARBLEHEAD BANK NORTHSHORE BANKING CENTER | 9400 North Shore Boulevard | Marblehead | OH | 43440 |
| MARBLEHEAD MAIN STREET BANKING CENTER | 709 West Main Street | Marblehead | OH | 43440 |
| EAST MAIN STREET BRANCH | 1201 East Main St. | Montpelier | OH | 43543 |
| NAPOLEON BANKING CENTER | 1414 Scott Street Suite 120 | Napoleon | OH | 43545 |
| OAKWOOD BRANCH | 218 North First Street | Oakwood | OH | 45873 |
| PAULDING BANKING CENTER BRANCH | 220 North Main Street | Paulding | OH | 45879 |
| PERRYSBURG BRANCH | 610 East South Boundary | Perrysburg | OH | 43551 |
| PIONEER BANKING CENTER BRANCH | 119 South State St. | Pioneer | OH | 43554 |
| SYLVANIA BRANCH | 6401 Monroe Street | Sylvania | OH | 43560 |
| WALBRIDGE BRANCH | 311 North Main Street | Walbridge | OH | 43465 |
| WAUSEON BANKING CENTER | 1379 N. Shoop Ave. | Wauseon | OH | 43567 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- January 30, 2023
- Regulator
- Federal Reserve
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| January 30, 2023 | Satisfactory | Federal Reserve | Large Bank Exam |
| January 8, 2018 | Satisfactory | Federal Reserve | Large Bank Exam |
| August 24, 2015 | Needs to Improve | Federal Reserve | Large Bank Exam |
| June 4, 2012 | Satisfactory | Federal Reserve | Large Bank Exam |
| April 5, 2010 | Satisfactory | Federal Reserve | Large Bank Exam |
| March 31, 2008 | Satisfactory | Federal Reserve | Large Bank Exam |
| January 30, 2006 | Satisfactory | Federal Reserve | Large Bank Exam |
| January 20, 2004 | Satisfactory | Federal Reserve | Large Bank Exam |
| January 28, 2002 | Satisfactory | Federal Reserve | Large Bank Exam |
| March 13, 2000 | Satisfactory | Federal Reserve | Large Bank Exam |
| March 24, 1997 | Satisfactory | Federal Reserve | Small Bank |
Institutional history
9 FFIEC NIC history events
Showing 1 through 9 of 9 history events
| Event date | Event type | Related institution |
|---|---|---|
| January 18, 2025 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 6, 2020 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| February 21, 2014 | Charter Discontinued (Merger or Purchase & Assumption) | RURBAN INVESTMENT INC |
| December 1, 2008 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| March 24, 2007 | Charter Discontinued (Merger or Purchase & Assumption) | RURBAN OPERATIONS CORPORATION |
| March 24, 2007 | Charter Discontinued (Merger or Purchase & Assumption) | RELIANCE FINANCIAL SERVICES, NATIONAL ASSOCIATION |
| March 24, 2007 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| February 4, 2002 | Failure - Government Assistance Provided | OAKWOOD DEPOSIT BANK COMPANY, THE |
| July 1, 1966 | Charter Discontinued (Merger or Purchase & Assumption) | NEY STATE BANK |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
2 FFIEC NIC relationship records
Showing 1 through 2 of 2 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | SBT INSURANCE LLC | Domestic Entity Other | Defiance, OH |
| ROOT_INSTITUTION | STATE BANK AND TRUST COMPANY, THE | State Member Bank | Defiance, OH |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank