State Bank & Trust is a bank based in Winfield, Alabama, established in 1907, with $407 million in total assets across 5 branches. By Trust Grade it ranks 80th of 93 banks we track in Alabama. Its capital ratio of 5.2% trails most similarly sized banks (1th percentile), versus a Alabama median of 10%. It was profitable over the most recent period, with a 0.88% return on assets. No consumer complaints against State Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How State Bank & Trust compares to Alabama peers
How we graded State Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (5.2% capital ratio)
- Profitable (ROA 0.88%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for State Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 1080 Main St, Brilliant, AL 35548
- 7370 Us Highway 43, Guin, AL 35563
- 194 Bankhead Hwy, Winfield, AL 35594
- 1945 Us Highway 43, Winfield, AL 35594
- 105 2nd Ave Nw, Fayette, AL 35555
Are deposits at State Bank & Trust insured?
Yes. State Bank & Trust is an FDIC-insured bank (FDIC certificate #861). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
State Bank & Trust: frequently asked questions
Is State Bank & Trust a good bank?
State Bank & Trust earns a Bankzia Trust Grade of B (80/100, "Strong"), based on a financial-strength score of 80/100 (it has no CFPB complaints on record). Well-capitalized (5.2% capital ratio); Profitable (ROA 0.88%).
Is State Bank & Trust FDIC-insured?
Yes. State Bank & Trust is a FDIC-insured bank (FDIC certificate #861). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is State Bank & Trust?
State Bank & Trust holds $407 million in total assets, ranking 80th of 93 banks we track in Alabama. It operates 5 branches.
Does State Bank & Trust have CFPB complaints?
No CFPB complaints against State Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
