State Bank & Trust


State Bank & Trust is an FDIC insured institution headquartered at 1945 Us Highway 43, Winfield, AL 35594.
It was founded in 1907 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - October 31, 2025

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 861
Date Established 1907
Assets $ 371.04 million
Loans $ 213.46 million
Deposits $ 334.90 million
Capital $ 17.33 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 8.01 million
Interest-bearing balances $ 3.03 million
Total securities $ 116.26 million
Federal funds sold and reverse repurchase $ 15.72 million
Net loans and leases $ 213.46 million
Loan loss allowance $ 2.39 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.03 million
All other assets $ 11.22 million
     Total Assets $ 353.72 million

LIABILITIES
Total deposits $ 334.90 million
      Interest-bearing deposits $ 293.11 million
      Deposits held in domestic offices $ 334.90 million
      % insured (estimated)" 68.29%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 30.70 million
Subordinated debt N.A.
All other liabilities $ 0.52 millionn
      Total Liabilities $ 353.72 million
      Shareholders’ Equity $ 17.33 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 10.33 million
Total Interest Expense $ 5.42 million
Net interest income $ 4.90 million
Provision for loan and lease losses $ 0.35 million
Total non interest income $ 2.56 million
Total non interest expense $ 4.05 million
Pre-tax Net Operating Income $ 2.63 million

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