The State Bank and Trust Company on Your Credit Report
In short: The State Bank and Trust Company is a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, operating from Defiance, Ohio. FDIC records place the charter's origin at March 28, 1902 and assign it certificate 13339. The 06/30/2026 call report lists $1.61 billion in assets across 29 FDIC-reported offices. Because State Bank and Trust Company originates its own paper rather than buying it, the documentation behind any tradeline sits with the bank — which is what makes a §623 direct dispute worth filing here. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who The State Bank and Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
The State Bank and Trust Company appears in FDIC BankFind as certificate 13339, headquartered Defiance, Ohio, chartered March 28, 1902, with 29 FDIC-reported offices and $1.61 billion in assets.
How The State Bank and Trust Company appears on your credit report
The State Bank and Trust Company is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to State Bank and Trust Company, and file the §611 dispute in parallel. The State Bank and Trust Company reviews these internally from Defiance, Ohio. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans booked through State Bank and Trust Company branch staff in Ohio
- ◆First-lien residential mortgages and refinances written around Defiance
- ◆Small-business and agricultural credit carried on the State Bank and Trust Company balance sheet
Grounds to dispute The State Bank and Trust Company entry
Each of these is a reason The State Bank and Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Deferment or modification agreed with State Bank and Trust Company not reflected in the monthly status
- ◆The State Bank and Trust Company account reported in the name of a co-signer who never signed
- ◆Charge-off reported by State Bank and Trust Company without the underlying itemization on file
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
The State Bank and Trust Company is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, The State Bank and Trust Company has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send The State Bank and Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
The State Bank and Trust Company questions, answered
Is The State Bank and Trust Company FDIC-insured, and under what certificate?
Yes — The State Bank and Trust Company appears in FDIC BankFind under certificate 13339. The record shows a state-chartered bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator based in Defiance, OH, with a charter dated March 28, 1902, $1.61 billion in assets and 29 offices at the 06/30/2026 call report.
Who supervises The State Bank and Trust Company if a dispute goes nowhere?
Supervision sits with the Federal Reserve and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to State Bank and Trust Company come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the State Bank and Trust Company head office in Defiance, Ohio.
How many credit-card complaints does the CFPB show against The State Bank and Trust Company?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched The State Bank and Trust Company exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can State Bank and Trust Company charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date State Bank and Trust Company last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with The State Bank and Trust Company and disputing with a collector?
The records live in different places. As the original creditor, State Bank and Trust Company holds the application, the statements and the payment ledger, while a buyer of the debt usually holds an electronic summary. A §623 dispute aimed at State Bank and Trust Company therefore lands where the evidence actually is.
Does The State Bank and Trust Company report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so The State Bank and Trust Company — 29 offices in Ohio — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate The State Bank and Trust Company tradelines — is that allowed?
One account showing twice is a classic conversion artifact. The State Bank and Trust Company has operated since 1902, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute State Bank and Trust Company account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to State Bank and Trust Company under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is The State Bank and Trust Company headquartered, and does that affect my dispute?
The State Bank and Trust Company is headquartered in Defiance, Ohio, with 29 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by The State Bank and Trust Company; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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