🏦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This institution is no longer active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%

Is this bank safe?

STATE BANK & TRUST COMPANY earned an Outstanding CRA rating (2018), shows financial metrics that merit closer review (ROA -1.16%). Consumers may want to review the details below before banking here.

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%

Below avg for Community banks. Peer avg: 0.90%

ROE

-10.40%

Risk-Based Capital

11.28%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA-1.16%Peer avg: 0.90%▼ Below avg
Risk-Based Capital11.28%Peer avg: 12.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Nov 2018OutstandingIntermediate Small Bank
Sep 2015OutstandingIntermediate Small Bank
Oct 2012OutstandingIntermediate Small Bank

6 previous ratings locked — 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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