State Bank Financial Corporation operates as the bank holding company for State Bank and Trust Company, and First Bank of Georgia that provide various community banking services to individuals and businesses. The company offers a range of deposit products and services, including checking accounts, commercial operating accounts, savings and money market accounts, and short-term to longer-term certificates of deposits, as well as time deposit products and retirement account services. It also provides loans to small and medium-sized businesses, residential and commercial construction and development loans, commercial real estate loans, farmland and agricultural production loans, residential mortgage loans, home equity loans, and consumer loans. In addition, the company’s payment solutions for funds collection and concentration services include ACH origination, electronic invoice presentment and payment, electronic bill presentment and payment, remote deposit capture, remote and mobile cash deposit, merchant, retail and wholesale lockbox, and wire services. Further, it offers cash management accounts; disbursement services comprising on-line bill pay, person-to-person payments, and bank-to-bank transfers; fraud controls, such as Positive Pay, ACH debit block, and IBM Security Trustee Rapport malware protection; and on-line cash management systems. Additionally, the company offers payroll services, such as automated human resources information system, payroll, benefits, and labor management services. It also provides online banking and safe deposit box rental services; and debit card and automated teller machines card services. As of April 23, 2015, the company operated 21 banking offices in Metro Atlanta and Middle Georgia; and 7 banking offices and 4 mortgage origination offices in the Augusta and Savannah, Georgia MSAs. State Bank Financial Corporation was founded in 2005 and is headquartered in Atlanta, Georgia.