the state bank and trust ohio

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The State Bank and Trust Company Review

SmartAsset's Overall Rating






Service Quality


Financial Health


Key Highlights

  • Highly-Rated Mobile App
  • Multiple Banking Products


Founded in 1902, The State Bank and Trust Company has assets totaling $876 million and $733 million in deposits, which makes it a medium-size bank. The State Bank and Trust Company, whose headquarters are in Defiance, Ohio, lacks premium access to customer service, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. With a score of 3.7 out of 5 stars, The State Bank and Trust Company should be near the middle of the pack in your search for a bank. The State Bank and Trust Company provides customers with numerous product offerings, including savings accounts, checking accounts, money market accounts, brokerage accounts, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. The bank's standard checking account features a $7.00 monthly fee, making it a rather pricey bank for checking. Using an institution with free checking as well as a high savings APY is the best option for accruing the most income from your deposits while having easy access to your money.

How We Rated It

SmartAsset's Overall Rating

The is a weighted average of rates, fees, service quality and financial health.Read more

When a component rating is unavailable, the overall rating is calculated as an average of the remaining available ratings.

The Rates rating represents an aggregate of interest rates for specific bank products measured against the national average interest rate for each product. Product interest rates may vary by branch. Rates shown reflect the highest available nationwide.
The Fees rating is an assessment of the bank's fees measured against the national average fee amount for particular services and is also affected by whether or not the bank refunds ATM fees.
Service Quality
The Customer Experience rating is a weighted average of the Mobile Rating and the Consumer Satisfaction Score, which is based on complaints brought to the Consumer Financial Protection Bureau (CFPB).
Financial Health
The Financial Health rating is based on the Texas Ratio, an indicator that warns of credit problems at particular banks: anything less than 5% is considered Excellent; less than 20% is Very Good; less than 50% is Good; less than 90% is Fair; and over 90% is Poor.


With a savings rate of 0.02%, The State Bank and Trust Company ranks poorly compared to the national average. Its one-year CD earns at a rate of 0.20% and the five-year CD earns at a rate of 0.70%, while its highest-yielding money market account has a rate of 0.01%. Given The State Bank and Trust Company's poor savings rate, you should consider taking a look at other banks for savings accounts.

How The State Bank and Trust Company's Savings Rates Compare

The State Bank and Trust CompanySavings0.02National Average0.09Compare Offers

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The State Bank and Trust Company has typically high fees in comparison to the average U.S. bank. The State Bank and Trust Company's checking account has a monthly fee of $7.00, rating it fair for anyone looking for a hassle-free account. The State Bank and Trust Company unfortunately doesn't reimburse out-of-network ATM charges, meaning you will need to locate a The State Bank and Trust Company ATM or pay the fee.

Monthly Fee$7.00National Average: $3.21

Non-network ATM FeeN/ANational Average: $1.20

Overdraft FeeN/ANational Average: $35.00

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Service Quality

The State Bank and Trust Company is a the state bank and trust ohio bank, with 20 total bank locations in Indiana and Ohio. It also offers access to mobile and web apps for simple access and banking on the go. The State Bank and Trust Company's online and mobile banking services receive high praise from users. The The State The state bank and trust ohio and Trust Company mobile app scored a 4.6 out of 5 (with 92 customer reviews on iOS and Android) compared to the national average of 3.8. You can use The State Bank and Trust Company's app to control your accounts by monitoring account balances, sending and receiving money as well as accessing support representatives. The State Bank and Trust Company gets a superb consumer satisfaction rating due to relatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating4.6/5

Consumer Satisfaction Rating5.0/5

Online Banking PortalNo

Live ChatNo

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Financial Health

The State Bank and Trust Company is currently a medium-size bank and owns assets totaling $876 million and deposits totaling $733 million. The State Bank and Trust Company's Texas Ratio is 2.49%, signifying a low chance of failure. The state bank and trust ohio, The State Bank and Trust Company is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis


High Risk75%50%20%10%Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare The State Bank and Trust Company to Other Competitive Offers

Products Offered

ProductCurrent Terms and RatesMinimum Balance for APY
Savings First command bank login 0.02% APY $25
Certificates of Deposit
  • 12 Month: 0.20% APY
  • 24 Month: 0.30% APY
  • 36 Month: 0.40% APY
  • 48 Month: 0.55% APY
  • 60 Month: 0.70% APY
$1000 for all terms
Money Market Accounts 0.01% APY 0.01% APY $10000 $15000

The State Bank and Trust Company has several the state bank and trust ohio products like savings accounts, checking accounts and money market accounts to give you many options to manage your money. The State Bank and Trust Company does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver the state bank and trust ohio return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. The State Bank and Trust Company's CD rates are fair in comparison to the national average.

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Find a The State Bank and Trust Company Near Me

The State Bank and Trust Company has 20 physical branches across the U.S.

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Save more with these rates that beat the National Average

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The State Bank and Trust Company Branches

20 branches found. Showing 1 - 15

Bank Routing Number

A routing number is a 9 digit code for identifying a financial institution for the purpose of routing of checks (cheques), fund transfers, direct deposits, e-payments, online payments, and other payments to the correct bank branch.

Routing numbers are also known as banking routing numbers, routing transit numbers, RTNs, ABA numbers, and sometimes SWIFT codes (although these are quite different from routing numbers as SWIFT codes are solely used for international wire transfers while routing numbers are used for domestic transfers).

Routing numbers differ for checking and savings accounts, prepaid cards, IRAs, lines of credit, and wire transfers. All banks the state bank and trust ohio have separate routing numbers for each of the states in the US.

You can look for the routing number on the check (cheque book) issued by your bank or can search this website for free.

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The State Bank and Trust Company Ohio

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The State Bank and Trust Company in Defiance, Ohio (OH), IN
Overview, Financial Summary, Detailed Financial Reports, Branches

08414The State Bank And Trust Company401 Clinton Street, Defiance, OH 43512March 28, 1902Full Service Brick and Mortar1229466Motor Branch500 Third Street, Defiance, OH 43512December 15, 1960Limited Service Facility3229468Northtowne Branch1600 North Clinton Street, Defiance, OH 43512July 13, 1970Full Service Brick and Mortar5229470Paulding Banking Center BranchMain And Caroline Streets, Paulding, OH 45879September 24, 1979Full Service Brick and Mortar7220192Wauseon Branch515 Parkview, Wauseon, OH 43567Febuary 04, 1963Full Service Brick and Mortar8478Delta Branch312 Main Street, Delta, OH 43515April 24, 1906Full Service Brick and Mortar9482Lyons Branch133 East Morenci Street, Lyons, OH 43533January 01, 1922Full Service Brick and Mortar10229472Chief Branch705 Deatrick Street, Defiance, OH 43512October 14, 1993Full Service Retail135726Oakwood Branch218 North First Street, Oakwood, OH 45873January 01, 1905Full Service Brick and Mortar1645461Market St Branch930 West Market Street, Lima, OH 45805December 31, 1988Full Service Brick and Mortar181366Luckey Branch235 Main Street, Luckey, OH 43443November 06, 1906Full Service Brick and Mortar19190822Walbridge Branch311 North Main Street, Walbridge, OH 43465March 01, 1963Full Service Brick and Mortar2157041Perrysburg Branch610 East South Boundary, Perrysburg, OH 43551March 06, 1995Full Service Brick and Mortar22290513Sylvania Branch6401 Monroe Street, Sylvania, OH 43560January 13, 1997Full Service Brick and Mortar26229527East Main Street Branch1201 East Main Street, Montpelier, OH 43543November 23, 1970Full Service Brick and Mortar275732West Unity Banking Center Branch112 Boa secured credit card Jackson Street, West The state bank and trust ohio, OH 43570January 01, 1888Full Service Brick and Mortar286585Pioneer Banking Center Branch119 South State Street, Pioneer, OH 43554January 01, 1894Full Service Brick and Mortar29361348Bryan Banking Center Branch1419 West High Street, Bryan, OH 43506December 14, 2000Full Service Brick and Mortar
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