Vitals
  • Total Assets
    209.0M 2.0 %
  • Total Deposits
    184.0M 2.0 %
  • Total Net Loans
    158.3M 11.6 %
  • Net Income
    2.5M -20.0 %
  • Book Value
    16.0M 1.0 %
  • Book Value x2
    32.1M 1.0 %
  • Book Value x3
    48.1M 1.0 %
ROAA

1.222

ROAE

15.694

Efficiency Ratio

49.615

Net Interest Margin

3.847

Balance Sheet Highlights
Financial Highlights Sumter Bank And Trust Company All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 208,980 230,112
Total Net Loans 158,341 170,121
Total Deposits 184,026 191,677
Total Equity 16,031 20,915
Profitability
Net Income 2,515 8,994
Return on Average Assets 1.222 .918
Return on Average Equity 15.694 8.392
Net Interest Margin 3.847 3.451
Efficiency Ratio 49.615 92.806
Noninterest Income/Revenue 12.258 51.932
Balance Sheet Ratios
Loan-to-Deposit 86.043 85.577
Securities/Assets .202 .189
Total Equity/Total Assets .077 .091
Tangible Equity/Tangible Assets .077 -.914
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 14,852 19,808
Tier 2 Capital 2,082 2,459
Total Capital 16,934 22,155
Total Risk Weighted Assets 166,147 181,303
Leverage Ratio 7.03 9.671
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 8.94 12.726
Total Capital Ratio 10.19 13.958

Timeline for Sumter Bank And Trust Company

Sb&T Bank

Sumter Bank And Trust Company was acquired by Sb&T Bank 15 years

View Profile Mar 14 2009

First Savings Of Americus, A Federal Savings And Loan Association

Acquisition: Sumter Bank And Trust Company acquired a new subsidiary, First Savings Of Americus, A Federal Savings And Loan Association, 33 years

View Profile Jun 23 1990

Farmers & Merchants Bank

Acquisition: Sumter Bank And Trust Company acquired a new subsidiary, Farmers & Merchants Bank, 39 years

View Profile May 01 1985

Synovus Financial Corp.

Synovus Financial Corp. became a new parent organization for Sumter Bank And Trust Company.

View Profile May 23 1980

Sumter Bank And Trust Company

Sumter Bank And Trust Company was established 49 years ago and is currently headquartered in Americus, GA.

Oct 28 1974
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Sb&T Bank Buyer 612,873 Pooling of Interests Discontinued 3/14/2009
First Savings Of Americus, A Federal Savings And Loan Association Seller 44,609 Failure 6/23/1990
Farmers & Merchants Bank Seller 8,512 Discontinued 5/1/1985
Relationships Role Relationship Start Relationship End
Synovus Financial Corp. Parent 12/31/1983 3/13/2009
Synovus Financial Corp. Parent 12/31/1981 12/30/1983
Synovus Financial Corp. Parent 5/23/1980 12/30/1981
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