Cass Commercial Bank

Headquarters

12412 Powerscourt Drive
Des Peres, MO 63131
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.10% 0.95% →
2-Year CD 0.10% 1.05% →
5-Year CD 0.15% 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

Cass Commercial Bank is an FDIC insured institution located in Des Peres, MO. It was founded in 1906 and has approximately $0.93 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 1068
Date Established 1906
Assets $ 926.45 million
Loans $ 771.30 million
Deposits $ 769.33 million
Capital $ 146.67 million
 

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

Deposit Rates - September 26, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.05% $10,000 $14,999 Learn More
3 Mo CD
0.05% $100,000 $199,999 Learn More
6 Mo CD
0.05% $10,000 $14,999 Learn More
6 Mo CD
0.05% $100,000 $199,999 Learn More
12 Mo CD
0.10% $10,000 $14,999 Learn More
12 Mo CD
0.10% $100,000 $199,999 Learn More
18 Mo CD
0.10% $10,000 $14,999 Learn More
18 Mo CD
0.10% $100,000 $199,999 Learn More
24 Mo CD
0.10% $10,000 $14,999 Learn More
24 Mo CD
0.10% $100,000 $199,999 Learn More
36 Mo CD
0.15% $10,000 $14,999 Learn More
36 Mo CD
0.15% $100,000 $199,999 Learn More
48 Mo CD
0.15% $10,000 $14,999 Learn More
48 Mo CD
0.15% $100,000 $199,999 Learn More
60 Mo CD
0.15% $10,000 $14,999 Learn More
60 Mo CD
0.15% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 26, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Cass Commercial Bank

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,102 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Cass Commercial Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Cass Commercial Bank 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:
Fairfield,Connecticut


Cass Commercial Bank Locations


Financial Details

Cass Commercial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cass Commercial Bank. 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
Cass Commercial Bank U.S. Bank Average
0% 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, Cass Commercial Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $146,674,000 in equity and $8,671,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Cass Commercial Bank U.S. Bank Average
10.22% 7.80%

Cass Commercial Bank has a Return on Equity of 10.22% 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
Cass Commercial Bank U.S. Bank Average
15.83% 12.68%

Cass Commercial Bank has a Capitalization of 15.83% 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.

Cass Commercial Bank Balance Sheet Analysis

As of March 31, 2020, Cass Commercial Bank had assets of $926,445,000, loans of $771,301,000, and deposits of $769,327,000. 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 $ 144.09 million
Interest-bearing balances $ 126.25 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 771.30 million
Loan loss allowance $ 8.67 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.14 million
All other assets $ 10.49 million
     Total Assets $ 779.77 million
LIABILITIES
Total deposits $ 769.33 million
      Interest-bearing deposits $ 438.38 million
      Deposits held in domestic offices $ 769.33 million
      % insured (estimated) 42.41%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 10.44 million
      Total Liabilities $ 779.77 million
      Shareholders’ Equity $ 146.67 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 8.81 million
Total Interest Expense $ 0.96 million
Net interest income $ 7.85 million
Provision for loan and lease losses $ 0.33 million
Total non interest income $ 1.04 million
Total non interest expense $ 3.92 million
Pre-tax Net Operating Income $ 4.64 million

Bank Loan Profile?

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

Compared to other banks in Missouri, Cass Commercial Bank has a significantly higher percent of 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 0.05
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 5.62
Commercial Real Estate 53.40
Commercial and Industrial Loans 42.06
Farm Loans 0.00

Frequently Asked Questions About Cass Commercial Bank

Branches and Savings

Is Cass Commercial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #1068.

Why does Cass Commercial Bank pay such low interest on savings accounts?

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

Why are Cass Commercial Bank CD rates not competitive?

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

Is Cass Commercial Bank a commercial bank?

Yes

Where are Cass Commercial Bank locations?

See branch locations nearby.

Is Cass Commercial Bank open on Saturdays?

Is Cass Commercial Bank open on Sundays?

What time does Cass Commercial Bank open?

What time does Cass Commercial Bank close?

Are Cass Commercial Bank ATMs Open 24/7?

Do Cass Commercial Bank ATMs accept cash deposits?

Can Cass Commercial Bank customers use other ATMs?

Do Cass Commercial Bank branches have notaries?

Will Cass Commercial Bank notarize my document?

What address for Cass Commercial Bank should I put for incoming ACH transfers?

Will the Cass Commercial Bank branch print checks?

Do Cass Commercial Bank checks expire?

Does Cass Commercial Bank require US citizenship to open account?

Can Cass Commercial Bank close my account?

Does Cass Commercial Bank Report to credit bureaus?

Does Cass Commercial Bank Use Equifax?

What is Cass Commercial Bank's ACH Routing Number?

What is Cass Commercial Bank's SWIFT code?

Products

Does Cass Commercial Bank offer mortgages?

Compare mortgage rates here.

Does Cass Commercial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cass Commercial Bank offer personal loans?

Compare personal loan rates here.

Does Cass Commercial Bank offer student loans?

Will Cass Commercial Bank cash a check?

Will Cass Commercial Bank redeem a savings bond?

Does Cass Commercial Bank cash savings bonds?

Will Cass Commercial Bank cash money orders?

Can Cass Commercial Bank issue a money order?

Does Cass Commercial Bank do currency exchange?

Background on The Bank

Who owns Cass Commercial Bank?

How long has Cass Commercial Bank been around?

Can Cass Commercial Bank transfer to other banks?

Does Cass Commercial Bank have quick pay?

Does Cass Commercial Bank accept rolled coins?

Will Cass Commercial Bank accept loose change?

Where is Cass Commercial Bank headquarters?

Customer Reviews for Cass Commercial Bank

There are currently no comments for Cass Commercial Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →