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As a community bank committed to providing access to banking services and loans to all members of our assessment areas, we place particular emphasis on our compliance with the Fair Lending Statutes and the Community Reinvestment Act (CRA). We believe that doing so is basic to good business practice and to the Bank’s future vitality.

The objective of this policy is to communicate our commitment to the requirements of the Community Reinvestment Act (CRA) and to detail the proactive CRA Program in place at State Bank Financial. By providing our CRA public information online, State Bank Financial is better able to keep the information current while providing the public with convenient access.

Public Information Available for Inspection

In compliance with the requirements of the Community Reinvestment Act (CRA), the following information must be maintained in the public file, current as of April 1 of each year and may be updated periodically.

CRA Performance Evaluation

A copy of the bank’s most recent CRA Performance Evaluation.

Public Comments & Bank Responses

A list of written comments received from the public for the current year, and each of the two prior calendar years, that specifically relate to the bank's performance in helping to meet community credit needs, and response to the comments by the bank.

Branch Information

A list of the bank’s branches, street addresses, and geographies, as of April 1, 2024.

Opened and Closed Branches

Branches opened or closed by the bank during the current year and each of the prior two calendar years.

Assessment Areas

Maps of each assessment area showing the boundaries and income of the area and identifying the geographies contained within the area.
Assessment Area - Lists of Census Tracts (link Assessment Areas - List of Census Tracts)

Loan-to-Deposit Ratio

The Bank's loan-to-deposit ratios for each quarter of the prior calendar year end.

Home Mortgage Disclosure (HMDA) Notice

Effective January 1, 2018, the Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending is available online for review.  The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

This data is available online at the Consumer Financial Protection Bureau’s website at beginning with calendar years 2017 forward. HMDA data for many other financial institutions may also be available at this website.

Banking Services & Fees
Community Reinvestment Act Notice