107 St. Francis Street
Mobile, AL 36602

Notable Rates APY Vs.Others
Savings N.A. 2.10% →
1-Year CD N.A. 2.15% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

BankTrust is an FDIC insured institution located in Mobile, AL. It was founded in 1986 and has approximately $2.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 26607
Date Established 1986
Assets $1.93 billion
Loans $1.09 billion
Deposits $1.75 billion
Capital $0.16 billion

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

Deposit Rates - February 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no rates available for Banktrust, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - February 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BankTrust

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
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
NMLS ID: 2890
License#: MC-3098
3.146% 3.125% 0.25 $665 $1,071 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to BankTrust
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Financial Details

BankTrust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BankTrust. 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
BankTrust U.S. Bank Average
97.36% 6.70%

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 September 30, 2019, BankTrust had $158,990,000 in non-current loans and $56,313,000 in owned real estate. To cover these potential losses it had $160,105,000 in equity and $61,033,000 in loans loss reserves. That gives it a Texas Ratio of 97.36%.

Return on Equity
BankTrust U.S. Bank Average
-9.71% 9.72%

BankTrust has a Return on Equity of -9.71% versus the BestCashCow average of 9.72%. 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.

BankTrust U.S. Bank Average
8.29% 12.89%

BankTrust has a Capitalization of 8.29% versus the BestCashCow average of 12.89. 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.

BankTrust Balance Sheet Analysis

As of December 31, 2012, BankTrust had assets of $2,040,780,000, loans of $1,091,084,000, and deposits of $1,747,587,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.09 billion
Loan loss allowance $0.06 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.06 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
Total deposits $1.75 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $1.93 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in BankTrust’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Alabama, BankTrust has a significantly higher percent of Small Business Loans, Construction and Development 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.24
Credit Card Loans 0.00
Consumer Auto Loans 0.84
Small Business Loans 15.52
Construction and Development Loans 21.76
Commercial Real Estate 30.81
Commercial and Industrial Loans 24.75
Farm Loans 0.10

Frequently Asked Questions About Banktrust

Branches and Savings

Is Banktrust FDIC insured?

Yes. It is covered under FDIC Certificate #26607.

Why does Banktrust pay such low interest on savings accounts?

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

Why are Banktrust CD rates not competitive?

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

Is Banktrust a commercial bank?


Where are Banktrust locations?

See branch locations nearby.

Is Banktrust open on Saturdays?

Is Banktrust open on Sundays?

What time does Banktrust open?

What time does Banktrust close?

Are Banktrust ATMs Open 24/7?

Do Banktrust ATMs accept cash deposits?

Can Banktrust customers use other ATMs?

Do Banktrust branches have notaries?

Will Banktrust notarize my document?

What address for Banktrust should I put for incoming ACH transfers?

Will the Banktrust branch print checks?

Do Banktrust checks expire?

Does Banktrust require US citizenship to open account?

Can Banktrust close my account?

Does Banktrust Report to credit bureaus?

Does Banktrust Use Equifax?

What is Banktrust's ACH Routing Number?

What is Banktrust's SWIFT code?


Does Banktrust offer mortgages?

Compare mortgage rates here.

Does Banktrust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Banktrust offer personal loans?

Compare personal loan rates here.

Does Banktrust offer student loans?

Will Banktrust cash a check?

Will Banktrust redeem a savings bond?

Does Banktrust cash savings bonds?

Will Banktrust cash money orders?

Can Banktrust issue a money order?

Does Banktrust do currency exchange?

Background on The Bank

Who owns Banktrust?

How long has Banktrust been around?

Can Banktrust transfer to other banks?

Does Banktrust have quick pay?

Does Banktrust accept rolled coins?

Will Banktrust accept loose change?

Where is Banktrust headquarters?

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