The Bank & Trust, S.S.B.

The Bank & Trust, S.S.B. has the feel of a small trust-and-banking institution, the kind people reach for when they want ordinary banking with a more local, old-school name. By our assessment, it is for customers who value a simple bank relationship and do not need a giant menu of extras. The clear strength of this sort of institution is its straightforwardness: deposits, lending, and trust-style banking sit under one roof. The limit is size and scope, since a bank like this usually cannot match the range or reach of a large national firm. In practice it tends to be a quiet, conservative banking experience, with the emphasis on standard services. The Bank & Trust, S.S.B. is not trying to be flashy, and that is exactly the point.