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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 7th largest bank in the state of Georgia. It is also the 257th largest bank in the nation. It was established in 2005 and as of December of 2015, it had grown to 628 employees at 27 locations. State Bank and Trust Company's money market rates are 14% higher than the national average, and it boasts an A+ health rating.

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Reviews (4)

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!

Cut Throat And Greedy

Posted by: Anonymous | May 15, 2012

Poor and not recommended.

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.

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!


Health Grade Components

FDIC Certificate #57870
Year Established2005
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD7.33%
Annual Interest Income$161.8MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$3.46B$2.88B
LoansQ4 2015vs Q4 2014$2.19B$1.61B
DepositsQ4 2015vs Q4 2014$2.91B$2.48B
Equity CapitalQ4 2015vs Q4 2014$470.6MM$377.2MM
Loan Loss AllowanceQ4 2015vs Q4 2014$29.1MM$28.6MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$24.3MM$30.6MM
Real Estate OwnedQ4 2015vs Q4 2014$10.5MM$5.2MM
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* 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
0.40%$1k$250k15 Month eCD Special
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.