State Bank Financial Corp. aspires to one day live in the center of central Georgia's banking world. The $3.5 billion-asset holding company operates through subsidiary State Bank and Trust Company, a state-charted commercial bank that serves individuals and businesses through more than 25 branches and more than half a dozen mortgage origination offices in central Georgia and in the Atlanta metropolitan area. The bank offers traditional checking and savings accounts, as well as commercial and residential real estate mortgages, construction and commercial loans, and consumer loans.