BB&T Financial, FSB


4 Bradley Park Court, Suite 1c
Columbus, GA 31904
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

BB&T Financial, FSB is an FDIC insured institution located in Columbus, GA. It was founded in 1998 and has approximately $2.83 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34780
Date Established 1998
Assets $ 2.83 billion
Loans $ 2.40 billion
Deposits $ 924.34 million
Capital $ 669.22 million

For a more detailed analysis of BB&T Financial, FSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 22, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for BB&T Financial, FSB

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.816% 2.750%
0.88 points
$2,150 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to BB&T Financial, FSB
To upload and update your bank's rates please register. It is free to register and add rates.


BB&T Financial, FSB 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:

BB&T Financial, FSB Locations

Climate Initiatives

BB&T Financial, FSB is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

BB&T Financial, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BB&T Financial, FSB. 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
BB&T Financial, FSB U.S. Bank Average
1.96% 4.78%

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 June 30, 2021, BB&T Financial, FSB had $15,041,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $669,219,000 in equity and $99,178,000 in loans loss reserves. That gives it a Texas Ratio of 1.96%.

Return on Equity
BB&T Financial, FSB U.S. Bank Average
25.55% 11.29%

BB&T Financial, FSB has a Return on Equity of 25.55% versus the BestCashCow average of 11.29%. 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.

BB&T Financial, FSB U.S. Bank Average
23.65% 11.72%

BB&T Financial, FSB has a Capitalization of 23.65% versus the BestCashCow average of 11.72. 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.

BB&T Financial, FSB Balance Sheet Analysis

As of December 31, 2012, BB&T Financial, FSB had assets of $2,829,941,000, loans of $2,398,043,000, and deposits of $924,338,000. 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

June 30, 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 $ 2.40 billion
Loan loss allowance $ 99.18 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 924.34 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 $ 2.83 billion

Summary Income Statement

June 30, 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 BB&T Financial, FSB’s loan portfolio are Credit Card Loans, Commercial and Industrial Loans, and Consumer Auto Loans.

Compared to other banks in Georgia, BB&T Financial, FSB has a significantly higher percent of Credit Card 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 0.00
Credit Card Loans 70.10
Consumer Auto Loans 0.34
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 21.37
Farm Loans 0.00

Frequently Asked Questions About Bb&t Financial, Fsb

Branches and Savings

Is Bb&t Financial, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #34780.

Why does Bb&t Financial, Fsb pay such low interest on savings accounts?

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

Why are Bb&t Financial, Fsb CD rates not competitive?

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

Is Bb&t Financial, Fsb a commercial bank?


Where are Bb&t Financial, Fsb locations?

See branch locations nearby.

Is Bb&t Financial, Fsb open on Saturdays?

Is Bb&t Financial, Fsb open on Sundays?

What time does Bb&t Financial, Fsb open?

What time does Bb&t Financial, Fsb close?

Are Bb&t Financial, Fsb ATMs Open 24/7?

Do Bb&t Financial, Fsb ATMs accept cash deposits?

Can Bb&t Financial, Fsb customers use other ATMs?

Do Bb&t Financial, Fsb branches have notaries?

Will Bb&t Financial, Fsb notarize my document?

What address for Bb&t Financial, Fsb should I put for incoming ACH transfers?

Will the Bb&t Financial, Fsb branch print checks?

Do Bb&t Financial, Fsb checks expire?

Does Bb&t Financial, Fsb require US citizenship to open account?

Can Bb&t Financial, Fsb close my account?

Does Bb&t Financial, Fsb Report to credit bureaus?

Does Bb&t Financial, Fsb Use Equifax?

What is Bb&t Financial, Fsb's ACH Routing Number?

What is Bb&t Financial, Fsb's SWIFT code?


Does Bb&t Financial, Fsb offer mortgages?

Compare mortgage rates here.

Does Bb&t Financial, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bb&t Financial, Fsb offer personal loans?

Compare personal loan rates here.

Does Bb&t Financial, Fsb offer student loans?

Will Bb&t Financial, Fsb cash a check?

Will Bb&t Financial, Fsb redeem a savings bond?

Does Bb&t Financial, Fsb cash savings bonds?

Will Bb&t Financial, Fsb cash money orders?

Can Bb&t Financial, Fsb issue a money order?

Does Bb&t Financial, Fsb do currency exchange?

Background on The Bank

Who owns Bb&t Financial, Fsb?

How long has Bb&t Financial, Fsb been around?

Can Bb&t Financial, Fsb transfer to other banks?

Does Bb&t Financial, Fsb have quick pay?

Does Bb&t Financial, Fsb accept rolled coins?

Will Bb&t Financial, Fsb accept loose change?

Where is Bb&t Financial, Fsb headquarters?

Customer Reviews for BB&T Financial, FSB

There are currently no comments for BB&T Financial, FSB. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →