Vitals
  • Total Assets
    612.9M -5.6 %
  • Total Deposits
    522.7M -6.2 %
  • Total Net Loans
    452.2M -8.4 %
  • Net Income
    864000.0000
  • Book Value
    51.9M 7.4 %
  • Book Value x2
    103.9M 7.4 %
  • Book Value x3
    155.8M 7.4 %
ROAA

.569

ROAE

6.709

Efficiency Ratio

57.988

Net Interest Margin

3.854

Balance Sheet Highlights
Financial Highlights Sb&T Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 612,873 232,450
Total Net Loans 452,239 157,333
Total Deposits 522,682 197,460
Total Equity 51,945 19,316
Profitability
Net Income 864 -176
Return on Average Assets .569 -.248
Return on Average Equity 6.709 -4.985
Net Interest Margin 3.854 3.366
Efficiency Ratio 57.988 88.401
Noninterest Income/Revenue 12.224 10.681
Balance Sheet Ratios
Loan-to-Deposit 86.523 76.294
Securities/Assets .115 .192
Total Equity/Total Assets .085 .083
Tangible Equity/Tangible Assets .085 -1.445
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 50,327 18,260
Tier 2 Capital 5,896 2,143
Total Capital 56,223 20,389
Total Risk Weighted Assets 466,546 167,998
Leverage Ratio 8.28 8.807
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.79 12.606
Total Capital Ratio 12.05 13.849

Timeline for Sb&T Bank

Synovus Bank

Sb&T Bank was acquired by Synovus Bank 13 years

View Profile Jun 01 2010

Sumter Bank And Trust Company

Acquisition: Sb&T Bank acquired a new subsidiary, Sumter Bank And Trust Company, 15 years

View Profile Mar 14 2009

Citizens Bank

Acquisition: Sb&T Bank acquired a new subsidiary, Citizens Bank, 39 years

View Profile Sep 01 1984

Synovus Financial Corp.

Synovus Financial Corp. became a new parent organization for Sb&T Bank.

View Profile May 31 1979

Sb&T Bank

Sb&T Bank was established 53 years ago and is currently headquartered in Albany, GA.

Aug 31 1970
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Synovus Bank Buyer 29,492,165 Pooling of Interests Discontinued 6/1/2010
Sumter Bank And Trust Company Seller 208,980 Pooling of Interests Discontinued 3/14/2009
Citizens Bank Seller 32,905 Discontinued 9/1/1984
Relationships Role Relationship Start Relationship End
Synovus Financial Corp. Parent 5/31/1979 5/31/2010
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