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4219 Forsyth Road
Macon, GA 31210

State Bank and Trust Company is headquartered in Macon and is the 7th largest bank in the state of Georgia. It is also the 279th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 551 employees at 24 locations. State Bank and Trust Company's money market rates are 14% higher than the national average, and it has a A health rating.

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Reviews (4)

Bad Experience

The bank location in Atlanta is the worst bank I have ever dealt with. They seem to be more concerned with how many departments they have and how more important they think they are than customer needs. What should take a day to get resolved takes weeks.

I have moved all of my accounts to another bank that seems to really care about customer service. I have been a businessman for over 20 years, and dealt with several banks which all are better than State Bank& Trust, in my experience.

Cut Throat And Greedy

Poor and not recommended.

Investment Busness Loans

I have a loan with State Bank only for the fact that the bank I had this loan with was taken over by State Bank. I can not and will not tell any one to use this bank. It is the hardest bank and people to work with that I have ever had any dealings with. DO NOT USE THEM!

This Is By Far The Best Bank I Have Ever Dealt With

This is by far the best bank I have ever dealt with. I moved all of my accounts to this bank after I became fed up with my former very large bank, and I am so glad I switched. I have a checking account, debit card, and money market account with State Bank & Trust. My checking earns a small amount of interest each month. Even better, if I have at least 10 credit-based transactions on my debit card each month, I earn a high interest rate on my money market account. I never pay any fees on any of these accounts, and earn extra money through the interest payments each month. Every person I have interacted with at this bank has been extremely helpful. The tellers are very friendly and care about giving you great customer service. State Bank & Trust also provides online banking which is very convenient and easy to use. I often transfer money online between my checking and money market accounts and never have any problems. My only complaint is I wish they stayed open later on weekdays or had Saturday hours. However, that is a small issue and the superior customer service and interest rates I receive are well worth it!


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 State Bank and Trust Company had $30.01 million in non-current loans and owned real-estate with $420.59 million in equity and loan loss allowances on hand to cover it. This gives State Bank and Trust Company a Texas Ratio of 7.13% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for State Bank and Trust Company decreased dramatically from 28.60% as of March 31, 2013 to 7.13% as of March 31, 2014, resulting in a positive change of 75.05%.This indicates that the balance sheet and financial strength for State Bank and Trust Company has improved dramatically in recent periods.

Deposit Growth


In the past year, State Bank and Trust Company has decreased its total deposits by -$10.72 million, resulting in -0.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth State Bank and Trust Company has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. State Bank and Trust Company has $2.62 billion in assets with $420.59 million in equity, resulting in a capitalization level of 16.06%, which is excellent.

Institution Statistics

FDIC Certificate #57870
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.62 billion
Loans$1.38 billion
Deposits$2.20 billion
Equity Capital$384.55 million
Loan Loss Allowance$36.04 million
Unbacked Noncurrent Loans$29.11 million
Real Estate Owned$901,000
Historic Data - March 2013
Assets$2.64 billion
Equity Capital$366.88 million
Loan Loss Allowance$43.83 million
Unbacked Noncurrent Loans$29.11 million
Real Estate Owned$276,000
Profit Margin - Quarterly
Net Interest Margin7.28%
Return on Assets0.69%
Return on Equity4.75%
Interest Income$44.34 million

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State Bank and Trust Company Savings Account Rates

0.25%$100-Savings Account
0.25%$100-Commercial Savings Account
0.25%$100-eSavings Account

State Bank and Trust Company Money Market Rates

0.50%--Premium Rate MM w/ qualifying checking account
0.25%$2,500-New State of Banking Money Market
0.25%$2,500-Business New State of Banking Money Market
0.25%$2,500-Personal eMoney Market

State Bank and Trust Company Checking Account Rates

0.15%$50k-Premium Select Checking
0.05%--Direct Deposit Interest Checking
0.05%--50+ Interest Checking

State Bank and Trust Company CD Rates

0.90%$1k-60 Month CD
0.90%$1k-60 Month eCD
0.80%$1k-22 Month CD w/ Relationship
0.80%$1k-22 Month eCD w/ Relationship
0.70%$1k-48 Month CD
0.70%$1k-48 Month eCD
0.60%$1k-36 Month CD
0.60%$1k-36 Month eCD
0.55%$1k-15 Month CD w/ Relationship
0.55%$1k-15 Month eCD w/ Relationship
0.50%$1k-24 Month CD
0.50%$1k-24 Month eCD
0.40%$1k-18 Month CD
0.40%$1k-18 Month eCD
0.30%$1k-12 Month CD
0.30%$1k-12 Month eCD
0.15%$1k-6 Month CD
0.15%$1k-6 Month eCD
0.10%$1k-3 Month CD
0.10%$1k-3 Month eCD
0.05%$1k-30 Day CD
0.05%$1k-30 Day eCD

State Bank and Trust Company IRA Rates

0.90%$1k-60 Month IRA
0.80%$1k-22 Month IRA w/ Relationship
0.70%$1k-48 Month IRA
0.60%$1k-36 Month IRA
0.55%$1k-15 Month IRA w/ Relationship
0.50%$1k-24 Month IRA
0.40%$1k-18 Month IRA
0.30%$1k-12 Month IRA
0.15%$1k-6 Month IRA
0.10%$1k-3 Month IRA
0.05%$1k-30 Day IRA

State Bank and Trust Company has 21 locations. Click to view all State Bank and Trust Company locations.