Bankers Trust Company

Headquarters

221 Third Avenue, Southeast
Cedar Rapids, IA 52401
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.00% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 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 - September 29, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 29, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,110 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Bankers Trust Company
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Branches

Bankers Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bankers Trust Company Locations


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 BestCashCow.com 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% 6.94%

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, 2020, 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% 7.80%

Bankers Trust Company has a Return on Equity of 9.25% versus the BestCashCow average of 7.80%. 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.

Capitalization
Bankers Trust Company U.S. Bank Average
9.68% 12.68%

Bankers Trust Company has a Capitalization of 9.68% versus the BestCashCow average of 12.68. 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, 2020
ASSETS
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.
LIABILITIES
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, 2020
INCOME AND EXPENSES
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, Commercial and Industrial Loans 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.39
Multifamily
Mortgages
7.19
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?

Yes

Where are Bankers Trust Company locations?

See branch locations nearby.

Is Bankers Trust Company open on Saturdays?

Is Bankers Trust Company open on Sundays?

What time does Bankers Trust Company open?

What time does Bankers Trust Company close?

Are Bankers Trust Company ATMs Open 24/7?

Do Bankers Trust Company ATMs accept cash deposits?

Can Bankers Trust Company customers use other ATMs?

Do Bankers Trust Company branches have notaries?

Will Bankers Trust Company notarize my document?

What address for Bankers Trust Company should I put for incoming ACH transfers?

Will the Bankers Trust Company branch print checks?

Do Bankers Trust Company checks expire?

Does Bankers Trust Company require US citizenship to open account?

Can Bankers Trust Company close my account?

Does Bankers Trust Company Report to credit bureaus?

Does Bankers Trust Company Use Equifax?

What is Bankers Trust Company's ACH Routing Number?

What is Bankers Trust Company's SWIFT code?

Products

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?

Will Bankers Trust Company cash a check?

Will Bankers Trust Company redeem a savings bond?

Does Bankers Trust Company cash savings bonds?

Will Bankers Trust Company cash money orders?

Can Bankers Trust Company issue a money order?

Does Bankers Trust Company do currency exchange?

Background on The Bank

Who owns Bankers Trust Company?

How long has Bankers Trust Company been around?

Can Bankers Trust Company transfer to other banks?

Does Bankers Trust Company have quick pay?

Does Bankers Trust Company accept rolled coins?

Will Bankers Trust Company accept loose change?

Where is Bankers Trust Company headquarters?

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