200 W 2nd St
Winston Salem, NC 27101


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9846
Date Established 1872
Assets $216.50 billion
Loans $141.74 billion
Deposits $166.71 billion
Capital $28.00 billion

BB&T is an FDIC insured institution located in Winston Salem, NC. It was founded in 1872 and has approximately $216.5 billion in assets. Customers can open an account at one of its 2,325 branches.

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

Bank Loan Profile?

The top three loan types in BB&T’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in North Carolina, Branch Banking and Trust Company has a significantly higher percent of Consumer Auto Loans, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 28.77
Credit Card Loans 1.42
Consumer Auto Loans 4.69
Small Business Loans 3.68
Construction and Development Loans 4.59
Commercial Real Estate 19.20
Commercial and Industrial Loans 20.30
Farm Loans 0.17

Deposit Rates - November 21, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.01% $1,000 $24,999 Learn MoreShow Less
Money Market
0.01% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.02% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.02% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.03% $10,000 $49,999 Learn MoreShow Less
3 Mo CD
0.03% $100,000 $999,999 Learn MoreShow Less

Fixed IRA
0.10% $500 $9,999 Learn MoreShow Less
Special: 23 Mo FIRA
1.50% $10,000 $49,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.15% $1 $99,999,999 Learn MoreShow Less
Checking Rates APY MIN FEE
BB&T Bright Banking 0.00% $1,500 $12.00 Learn MoreShow Less
Elite Gold 0.01% $25,000 $30.00 Learn MoreShow Less
BB&T Fundamentals Checking 0.00% $0 $5.00 Learn MoreShow Less
BB&T Student Checking 0.00% $0 $0.00 Learn MoreShow Less

Loan Rates - November 21, 2018

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 2.19% 2.19% $718.14
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


BB&T 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 Locations

Financial Details

BB&T Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BB&T. 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 U.S. Bank Average
3.4% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, BB&T had $932,000,000 in non-current loans and $63,000,000 in owned real estate. To cover these potential losses it had $28,002,000,000 in equity and $1,258,000,000 in loans loss reserves. That gives it a Texas Ratio of 3.4%.

Return on Equity
BB&T U.S. Bank Average
11.55% 9.77%

BB&T has a Return on Equity of 11.55% versus the BestCashCow average of 9.77%. 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 U.S. Bank Average
12.93% 12.31%

BB&T has a Capitalization of 12.93% versus the BestCashCow average of 12.31. 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 Balance Sheet Analysis

As of June 30, 2018, BB&T had assets of $216,499,000,000, loans of $141,735,000,000, and deposits of $166,714,000,000. 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, 2018
Cash & Balances due from depository institutions $2.58 billion
Interest-bearing balances $0.61 billion
Total securities $45.90 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $141.74 billion
Loan loss allowance $1.26 billion
Trading account assets $0.10 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.06 billion
Goodwill and other intangibles $11.16 billion
All other assets $12.82 billion
     Total Assets $188.50 billion
Total deposits $166.71 billion
      Interest-bearing deposits $112.30 billion
      Deposits held in domestic offices $166.71 billion
      % insured (estimated) 56.79%
Federal funds purchased and repurchase agreements $1.71 billion
Trading liabilities $0.23 billion
Other borrowed funds $12.77 billion
Subordinated debt $2.04 billion
All other liabilities $5.04 billion
      Total Liabilities $188.50 billion
      Shareholders’ Equity $28.00 billion

Summary Income Statement

June 30, 2018
Total Interest Income $3.57 billion
Total Interest Expense $0.49 billion
Net interest income $3.08 billion
Provision for loan and lease losses $0.16 billion
Total non interest income $2.17 billion
Total non interest expense $3.08 billion
Pre-tax Net Operating Income $2.01 billion

Frequently Asked Questions About BB&T

Branches and Savings

Is BB&T FDIC insured?

Yes. It is covered under FDIC Certificate #9846.

Why does BB&T 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 CD rates not competitive?

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

Is BB&T a commercial bank?

Where are BB&T locations?

See branch locations nearby.

Is BB&T open on Saturdays?

Is BB&T open on Sundays?

What time does BB&T open?

What time does BB&T close?

Are BB&T ATMs Open 24/7?

Do BB&T ATMs accept cash deposits?

Can BB&T customers use other ATMs?

Do BB&T branches have notaries?

Will BB&T notarize my document?

What address for BB&T should I put for incoming ACH transfers?

Will the BB&T branch print checks?

Do BB&T checks expire?

Does BB&T require US citizenship to open account?

Can BB&T close my account?

Does BB&T Report to credit bureaus?

Does BB&T Use Equifax?

What is BB&T's ACH Routing Number?

What is BB&T's SWIFT code?


Does BB&T offer mortgages?

Compare mortgage rates here.

Does BB&T offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does BB&T offer personal loans?

Compare personal loan rates here.

Does BB&T offer student loans?

Will BB&T cash a check?

Will BB&T redeem a savings bond?

Does BB&T cash savings bonds?

Will BB&T cash money orders?

Can BB&T issue a money order?

Does BB&T do currency exchange?

Background on The Bank

Who owns BB&T?

How long has BB&T been around?

Can BB&T transfer to other banks?

Does BB&T have quick pay?

Does BB&T accept rolled coins?

Will BB&T accept loose change?

Where is BB&T headquarters?

Customer Reviews for BB&T

  • Larry Sweat

    February 26, 2015

    I own a home in North Richland Hills, TX near Fort Worth that has a tax appraised value of $196,000. I currently owe $46,000 on the first mortgage. Paying $5000 per month I will have this mortgage paid off within 12 months. My credit score is 806. Can you offer me a $75,000 HELOC at 1.99% that is fixed at that rate for the first 24 months of the loan, is interest only for the first 24 months and cannot vary more than 2% per year thereafter?

Add Your Review

Rate it here →