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State Bank and Trust Company

Popular Accounts at this Bank

0.90%5-year CD60 Month eCD
0.30%1-year CD12 Month eCD
0.25%SavingseSavings Account

Overview / Commentary
4219 Forsyth Road
Macon, GA 31210

State Bank and Trust Company is headquartered in Macon and is the 8th largest bank in the state of Georgia. It is also the 263rd largest bank in the nation. It was established in 2005 and as of June of 2016, it had grown to 672 employees at 27 locations. State Bank and Trust Company has an A+ health rating.

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Reviews (5)

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

Posted by: StateBank | Apr 14, 2011

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!

False Advertising.

I have been with this bank since it was security bank! The so called customer care is a joke and when you call the recording say where customer care is #1 then they put you on hold for 10 minutes and so I hung up. There so called customer care is a joke and all they are worried about is making money off your money. I will be moving my account elsewhere as they my no means care about the customer. Then when you FINALLY get someone and tell the about having to wait they all of a sudden cope a attitude. They use to be a good bank but I guess the got so bid they just do not care!!!!!!!!!!!!! My opinion is STAY away from thei no customer service bank that really does not care and does nothing but tell lies!!!!!!!!!!!!!!!

Cut Throat And Greedy

Posted by: Anonymous | May 15, 2012

Poor and not recommended.

Investment Busness Loans

Posted by: Anonymous | Feb 28, 2012

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!

Bad Experience

Posted by: Anonymous | Dec 15, 2011

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.


Health Grade Components

FDIC Certificate #57870
Year Established2005
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.45%
Return on Equity - YTD10.62%
Annual Interest Income$82.9MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$3.57B$2.76B
LoansQ2 2016vs Q2 2015$2.39B$1.73B
DepositsQ2 2016vs Q2 2015$2.94B$2.36B
Equity CapitalQ2 2016vs Q2 2015$484.6MM$382.1MM
Loan Loss AllowanceQ2 2016vs Q2 2015$27.6MM$29.0MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$20.7MM$24.0MM
Real Estate OwnedQ2 2016vs Q2 2015$11.6MM$8.3MM
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Always verify rates and promotions with the bank or credit union. We are not State Bank and Trust Company; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

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*-Personal Money Market
OTHER TIERS: 0.05% Up to $2,500
0.25%*$2,500*-Commercial Money Market Accounts
OTHER TIERS: 0.05% Up to $2,500
0.25%*$2,500*-Personal eMoney Market
OTHER TIERS: 0.05% Up to $2,500

State Bank and Trust Company Checking Account Rates

0.15%*$50k*-Premium Select Checking
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $50k
0.05%--50+ Interest Checking

State Bank and Trust Company CD Rates

0.90%$1k-60 Month CD
0.90%$1k-60 Month eCD
0.70%$1k-48 Month CD
0.70%$1k-48 Month eCD
0.60%$1k-36 Month CD
0.60%$1k-36 Month eCD
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
0.70%$1k-48 Month IRA
0.60%$1k-36 Month IRA
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 26 locations. Click to view all State Bank and Trust Company locations.