🏦Bank Scorer

This institution is no longer active

Operations ceased on April 1, 2020. CRA examination history below reflects the period it was active.

STATE BANK & TRUST COMPANY

GREENWOOD, MS · Supervised by FDIC

Est. 1898FDIC #8,878RSSD: FDIC-8878
Part ofSTATE B&T EMPLOYEE STK OWNERSHIP PLAN→ View all charters
Outstanding Same

Current rating · Exam: November 2018

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -1.16%

Institution Profile

FDIC BankFind

Address

916 Highway 82 Bypass, GREENWOOD, MS

County

Leflore County

Established

November 1, 1898

Total Assets

$1.2B(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

November 1, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 Q1 2020Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$892M

Net Income

$-3,354K

ROA

-1.16%

ROE

-10.40%

Risk-Based Capital

11.28%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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