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This institution is no longer active

Operations ceased on July 31, 2000. CRA examination history below reflects the period it was active.

STATE BANK & TRUST COMPANY

BROOKHAVEN, MS · Supervised by FDIC

Est. 1936FDIC #15,411RSSD: FDIC-15411
Part ofSTATE CAPITAL CORP→ View all charters
Outstanding Same

Current rating · Exam: February 1998

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.63%

Institution Profile

FDIC BankFind

Address

147 South Railroad Avenue, BROOKHAVEN, MS

County

Lincoln County

Established

August 1, 1936

Total Assets

$128M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 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 Q2 2000Call Report / FDIC

Total Assets

$128M

Total Deposits

$113M

Net Loans

$89M

Net Income

$419K

ROA

0.63%

ROE

6.00%

Risk-Based Capital

16.74%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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