1) A commercial bank owned by one person or a partnership (compare joint-stock bank). Popular in 19th-century Britain, they have been superseded by joint-stock banks. They still exist in the USA.

2) A bank that is not a member of a clearing house and therefore has to use a clearing bank as an agent.

3) A bank that is not owned by the state.

• State Earnings-Related Pension Scheme
• statement of affairs
• Statement of Auditing Standards
• statement of changes in financial position
• statement of movements in shareholders' funds
• Statement of Recommended Practice
• statement of source and application of funds
• Statement of Standard Accounting Practice
• statement of total recognized gains and losses
• static gap
• static risk
• status enquiry
• statute-barred debt
• statutory accounts
• statutory audit
• statutory books
• statutory company
• statutory damages
• statutory meeting
• statutory report
• stealth tax
• stepped preference share
• sterilization
• sterling
• Sterling Transferable Accruing Government Securities