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This institution is no longer active

Operations ceased on January 1, 2019. CRA examination history below reflects the period it was active.

STATE BANK AND TRUST COMPANY

MACON, GA · Supervised by FDIC

Est. 2005FDIC #57,870RSSD: FDIC-57870
Part ofSTATE BANK FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.65%

Institution Profile

FDIC BankFind

Address

4219 Forsyth Road, MACON, GA

County

Bibb County

Established

October 3, 2005

Total Assets

$4.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2017

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2018Call Report / FDIC

Total Assets

$4.9B

Total Deposits

$4.1B

Net Loans

$3.5B

Net Income

$81M

ROA

1.65%

ROE

13.78%

Risk-Based Capital

13.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate8.02%Peer avg: 9.91%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,62177.24%8.02%
20231,42775.05%10.30%
20221,96875.05%9.96%
20213,16077.82%7.44%
20204,07177.5%7.42%
20192,50282.61%6.20%
20185,21279.09%9.02%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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