State Bank Financial Corporation operates as the bank holding company for State Bank and Trust Company that provides various community banking services to individuals and businesses. It offers a range of deposit products and services, such as checking, commercial operating, savings and money market, individual retirement, and time deposit accounts, as well as short-term to longer-term certificates of deposits. The company also provides residential and commercial construction and development, commercial real estate, farmland and agricultural production, residential mortgage, home equity, and consumer loans, as well as loans to small and medium-sized businesses. In addition, it's payment solutions for funds collection and concentration services comprise ACH origination, electronic bill presentment and payment, remote deposit capture and cash deposit, retail and wholesale lockbox, and wire services. Further, the company offers cash management accounts; disbursement services, such as on-line bill pay, person-to-person payments, and bank-to-bank transfers; fraud controls consisting of Positive Pay, ACH decisioning, and IBM Security Trustee Rapport malware protection; and on-line cash management systems. Additionally, it provides payroll services, including automated human resources information system, payroll, benefits, and labor management services. The company also offers online banking and safe deposit box rental services; and debit card and automated teller machines card services. As of December 31, 2016, it operated 31 full-service banking offices in the counties of Georgia: Bibb, Chatham, Clarke, Cobb, Columbia, Dooly, Fulton, Gwinnett, Hall, Houston, Jones, Liberty, McDuffie, Richmond, and Tattnall; and 8 mortgage production offices. State Bank Financial Corporation was founded in 2005 and is headquartered in Atlanta, Georgia.