Bankers Trust Company


221 Third Avenue, Southeast
Cedar Rapids, IA 52401
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Bankers Trust Company is an FDIC insured institution located in Cedar Rapids, IA. It was founded in 2002 and has approximately $0.49 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57484
Date Established 2002
Assets $ 487.09 million
Loans $ 418.62 million
Deposits $ 303.12 million
Capital $ 47.14 million

For a more detailed analysis of Bankers Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 3, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - August 3, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bankers Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 174457
2.692% 2.625%
0.88 points
$2,192 fees
$1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

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BMO Harris Bank
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Note to Bankers Trust Company
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Financial Details

Bankers Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bankers Trust Company. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bankers Trust Company U.S. Bank Average
1.7% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Bankers Trust Company had $173,000 in non-current loans and $767,000 in owned real estate. To cover these potential losses it had $47,139,000 in equity and $8,273,000 in loans loss reserves. That gives it a Texas Ratio of 1.7%.

Return on Equity
Bankers Trust Company U.S. Bank Average
9.25% 11.43%

Bankers Trust Company has a Return on Equity of 9.25% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bankers Trust Company U.S. Bank Average
9.68% 11.51%

Bankers Trust Company has a Capitalization of 9.68% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bankers Trust Company Balance Sheet Analysis

As of March 31, 2015, Bankers Trust Company had assets of $493,148,000, loans of $418,624,000, and deposits of $303,121,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 418.62 million
Loan loss allowance $ 8.27 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.77 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 303.12 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 487.09 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Bankers Trust Company’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Iowa, Bankers Trust Company has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.39
Credit Card Loans 0.03
Consumer Auto Loans 0.28
Small Business Loans 5.86
Construction and Development Loans 5.47
Commercial Real Estate 44.61
Commercial and Industrial Loans 20.50
Farm Loans 0.00

Frequently Asked Questions About Bankers Trust Company

Branches and Savings

Is Bankers Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #57484.

Why does Bankers Trust Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bankers Trust Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bankers Trust Company a commercial bank?


Where are Bankers Trust Company locations?

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Does Bankers Trust Company require US citizenship to open account?

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Does Bankers Trust Company offer mortgages?

Compare mortgage rates here.

Does Bankers Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bankers Trust Company offer personal loans?

Compare personal loan rates here.

Does Bankers Trust Company offer student loans?

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Background on The Bank

Who owns Bankers Trust Company?

How long has Bankers Trust Company been around?

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