SBA lender profile
The State Bank and Trust Company
The State Bank and Trust Company appears in the public SBA loan data with 223 funded 7(a) loans since FY2010, totaling $115.9M, an average of $520K per loan, and an estimated 2,930 jobs supported. Its SBA lending concentrates in Ohio and the Retail Trade sector. Across its 7(a) loans, the charge-off rate is 0.4%. 53.4% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 89
- Scale 71
- Activity 69
- Consistency 85
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is The State Bank and Trust Company the right lender for you?
Lenders fund what they know. The State Bank and Trust Company's SBA lending concentrates in Ohio (161 loans) and Retail Trade (34 loans), at an average loan of $520K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $1.6B
- Headquarters
- Defiance, OH
- FDIC cert
- #13339
- Status
- Active
Where The State Bank and Trust Company lends
Top states by funded SBA volume.
Metro areas where The State Bank and Trust Company funds
What The State Bank and Trust Company funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 34 | $23.1M |
| Construction | 20 | $15.5M |
| Accommodation and Food Services | 36 | $15.4M |
| Manufacturing | 20 | $13.0M |
| Real Estate | 19 | $10.2M |
| Wholesale Trade | 14 | $9.9M |
The State Bank and Trust Company SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 3 | $2.1M |
| 2011 | 5 | $3.6M |
| 2012 | 5 | $3.2M |
| 2013 | 9 | $4.3M |
| 2014 | 10 | $2.4M |
| 2015 | 29 | $13.0M |
| 2016 | 25 | $9.3M |
| 2017 | 22 | $13.0M |
| 2018 | 23 | $18.6M |
| 2019 | 20 | $7.7M |
| 2020 | 11 | $8.3M |
| 2021 | 13 | $4.7M |
| 2022 | 8 | $4.5M |
| 2023 | 16 | $7.9M |
| 2024 | 16 | $6.5M |
| 2025 | 4 | $4.2M |
| 2026 | 4 | $2.6M |
Related SBA lenders
Other lenders active in Ohio or in Retail Trade.
Comparing lenders? See how to choose an SBA lender by track record.
The State Bank and Trust Company: frequently asked questions
Does The State Bank and Trust Company offer SBA loans?
Yes. The State Bank and Trust Company appears in the public SBA data with 223 funded SBA 7(a) loans totaling $115.9M.
How many SBA loans has The State Bank and Trust Company made?
The State Bank and Trust Company is associated with 223 SBA 7(a) loans totaling $115.9M in the public SBA data (as of 2026-03-31).
What is The State Bank and Trust Company's SBA charge-off rate?
About 0.4% of The State Bank and Trust Company's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does The State Bank and Trust Company do most of its SBA lending?
The State Bank and Trust Company's SBA lending in the data is most concentrated in Ohio, and by industry in Retail Trade.
Is The State Bank and Trust Company an SBA Preferred Lender (PLP)?
The loan record shows The State Bank and Trust Company operating under PLP delegated authority: 119 of its 7(a) loans (53.4%) were processed through the Preferred Lenders Program, including 19 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). The State Bank and Trust Company SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/the-state-bank-and-trust-company/
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