State Bank & Trust
Winfield, AL
IDRSSD: 386731
Total Assets
$396.37M
Latest filing
Total Deposits
$346.56M
Latest filing
Net Interest Margin
3.17%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
062203670WINFIELD, AL
Key People
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Locations
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Main Office
State Bank & Trust
1945 Us Highway 43
Winfield, AL 35594
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/03/1907FDIC Certificate 546
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| State Bank & Trust (Main) | 1945 Us Highway 43 | Winfield, AL |
| BRILLIANT BRANCH | 1080 Main St | Brilliant, AL |
| GUIN BRANCH | 7370 Us Highway 43 | Guin, AL |
| MIDTOWN BRANCH | 194 Bankhead Hwy | Winfield, AL |
| STATE BANK & TRUST FAYETTE BRANCH | 105 2nd Ave Nw | Fayette, AL |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/03/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35594 |
| State and County Number | 01093 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 56 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.statebank.net |
| Data Updated | 01/30/2026 |
| CERT | 861 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $396.37M |
| Total Deposits | $346.56M |
| Total Liabilities | $374.80M |
| Total Equity Capital | $21.57M |
| Net Income | $459.00k |
| Net Loans and Leases | $247.79M |
| Assets Per Employee ($Millions) | $6.95M |
| Bank Premises and Fixed Assets | $3.05M |
| Cash and Balances due from Depository Institutions | $12.60M |
| Deposits Held in Domestic Offices | $346.56M |
Key Performance Ratios
| Return on Assets (ROA) | 0.47% |
| Return on Equity (ROE) | 8.8% |
| Net Interest Margin | 3.17% |
| Efficiency Ratio | 66.79% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.63% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.441% |
| Earning Assets to total Assets | 94.87% |
Income and Expense
| Total Interest Income | $5.53M |
| Total Noninterest Income | $347.00k |
| Total Interest Expense | $2.60M |
| Total Noninterest Expense | $2.18M |
| Net Interest Income | $2.92M |
| Pre-tax Net Operating Income | $471.00k |
| Provision for Credit Losses | $615.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $505.00k |
| Other borrowed funds | $24.54M |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.48M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.70M |
| Total Liabilities and Capital | $396.37M |
Securities
| Securities | $112.68M |
| Available-for-sale debt securities | $112.61M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $4.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of State Bank & Trust?
$396.37M as of the latest filing.
How much are State Bank & Trust's total deposits?
$346.56M in total deposits.
Where is State Bank & Trust located?
Winfield, AL.
What is the Net Interest Margin?
3.17%.
How many domestic offices does it operate?
4.
When was it established?
10/03/1907.
What is the Return on Assets (ROA)?
0.47%.
How much are total loans and leases?
$247.79M (latest filing).
What is the total interest income (latest filing)?
$5.53M.