Branch Banking and Trust Company

200 West Second Street
Winston Salem, NC 27101

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9846
Date Established 1872
Assets $217.16 billion
Loans $139.87 billion
Deposits $167.00 billion
Capital $28.32 billion

Branch Banking and Trust Company is an FDIC insured institution located in Winston Salem, NC. It was founded in 1872 and has approximately $217.16 billion in assets. Customers can open an account via one of its 2,316 branches.

For a more detailed analysis of Branch Banking and Trust Company'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 Branch Banking and Trust Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 31.08
Multifamily
Mortgages
2.84
Credit Card Loans 1.27
Consumer Auto Loans 4.91
Small Business Loans 4.52
Construction and Development Loans 3.97
Commercial Real Estate 19.90
Commercial and Industrial Loans 18.31
Farm Loans 0.17

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K 0.03% $10,000 $49,999 Learn MoreShow Less
3 Mo CD 100K 0.03% $100,000 $999,999 Learn MoreShow Less
6 Mo CD 10K 0.05% $10,000 $49,999 Learn MoreShow Less
6 Mo CD 100K 0.05% $100,000 $999,999 Learn MoreShow Less
12 Mo CD 10K 0.10% $10,000 $49,999 Learn MoreShow Less
12 Mo CD 100K 0.10% $100,000 $999,999 Learn MoreShow Less
Special: 13 Mo CD 0.25% $100,000 $99,999,999 Learn MoreShow Less
18 Mo CD 10K 0.15% $10,000 $49,999 Learn MoreShow Less
18 Mo CD 100K 0.15% $100,000 $999,999 Learn MoreShow Less
24 Mo CD 10K 0.20% $10,000 $49,999 Learn MoreShow Less
24 Mo CD 100K 0.20% $100,000 $999,999 Learn MoreShow Less
30 Mo CD 10K 0.20% $10,000 $49,999 Learn MoreShow Less
30 Mo CD 100K 0.20% $100,000 $999,999 Learn MoreShow Less
36 Mo CD 10K 0.40% $10,000 $49,999 Learn MoreShow Less
36 Mo CD 100K 0.40% $100,000 $999,999 Learn MoreShow Less
48 Mo CD 10K 0.45% $10,000 $49,999 Learn MoreShow Less
48 Mo CD 100K 0.45% $100,000 $999,999 Learn MoreShow Less
60 Mo CD 10K 0.50% $10,000 $49,999 Learn MoreShow Less
60 Mo CD 100K 0.50% $100,000 $999,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.01% $1 $99,999,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K 0.10% $500 $9,999 Learn MoreShow Less
Special: 13 Mo FIRA 0.25% $500 $9,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K 0.15% $1 $99,999,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM10K 0.02% $1,000 $24,999 Learn MoreShow Less
MM25K 0.02% $25,000 $49,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
PREMMM10K 0.04% $10,000 $24,999 Learn MoreShow Less
PREMMM25K 0.04% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K 0.01% $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

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

Home Equity Rates APR Rate Monthly Payment
Line of Credit 2.24% 2.24% Varies Learn MoreShow Less
Auto Loan Rates APR Rate Monthly Payment
3 Year 2.19% 2.19% $718.14 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
15 Year Fixed Conforming 3.02% 2.88% $1,712.06 Learn MoreShow Less
30 Year Fixed Conforming 3.58% 3.50% $1,122.61 Learn MoreShow Less
Purchase Mortgage Rates APR Rate Monthly Payment
15 Year Fixed Conforming 2.77% 2.63% $1,682.32 Learn MoreShow Less
30 Year Fixed Conforming 3.46% 3.38% $1,105.93 Learn MoreShow Less

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.

Branches

Branch Banking and 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


Branch Banking And Trust Company Locations

Financial Details

Branch Banking and Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Branch Banking and Trust Company. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Branch Banking and Trust Company U.S. Bank Average
4.84% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2016, Branch Banking and Trust Company had $1,355,915,000 in non-current loans and $77,157,000 in owned real estate. To cover these potential losses it had $28,321,075,000 in equity and $1,272,293,000 in loans loss reserves. That gives it a Texas Ratio of 4.84%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Branch Banking and Trust Company U.S. Bank Average
8.41% 9.45%

Branch Banking and Trust Company has a Return on Equity of 8.41% versus the BestCashCow average of 9.45%. 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
Branch Banking and Trust Company U.S. Bank Average
13.04% 11.28%

Branch Banking and Trust Company has a Capitalization of 13.04% versus the BestCashCow average of 11.28%. 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.

Branch Banking and Trust Company Balance Sheet Analysis

As of June 30, 2016, Branch Banking and Trust Company had assets of $217,159,204,000, loans of $139,870,825,000, and deposits of $166,995,354,000. 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.

Customer Reviews for Branch Banking and Trust Company


  • 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?

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