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This institution is no longer active

Operations ceased on July 1, 2008. CRA examination history below reflects the period it was active.

STATE BANK & TRUST COMPANY

HARRODSBURG, KY · Supervised by FDIC

Est. 1906FDIC #12,157RSSD: FDIC-12157
Part ofSTATE FINANCIAL SERVICES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.01%

Institution Profile

FDIC BankFind

Address

211 South Main Street, HARRODSBURG, KY

County

Mercer County

Established

January 1, 1906

Total Assets

$98M(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

March 1, 2003

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 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 2008Call Report / FDIC

Total Assets

$98M

Total Deposits

$88M

Net Loans

$51M

Net Income

$6K

ROA

0.01%

ROE

0.12%

Risk-Based Capital

15.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 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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