SBT BANCSHARES INC is the parent banking group. STATE BANK & TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.
Bank Holding Company
SBT BANCSHARES INC
Legal name: SBT BANCSHARES, INC.
1 active bank · $155M combined assets
RSSD ID: 2145950 (FFIEC NIC)
Combined Assets
$155M
CRA Rating Summary
Satisfactory1charter
Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$155M
1 active bank
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$136M
Net Income
$525K
ROA (avg)
1.37%
asset-weighted avg
Active Bank Charters1
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| STATE BANK & TRUST COMPANY | GOLDEN MEADOW, LA | FDIC | $155M | 100.0% | Satisfactory | Jan 2023 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.