CBank

Headquarters

8050 Hosbrook Road, Suite 220
Cincinnati, OH 45236
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD 0.50% 0.95% →
2-Year CD 0.50% 1.05% →
5-Year CD N.A. 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

CBank is an FDIC insured institution located in Cincinnati, OH. It was founded in 2007 and has approximately $0.21 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 58434
Date Established 2007
Assets $ 205.96 million
Loans $ 166.64 million
Deposits $ 178.01 million
Capital $ 24.77 million
 

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

Deposit Rates - September 22, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 22, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CBank

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
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.816% 2.750% 0.88 $2,132 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
3.500 %
$25,000 Learn More
More Info

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

Branches

CBank 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


CBank Locations


Financial Details

CBank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CBank. 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
CBank U.S. Bank Average
0.01% 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, CBank had $4,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $24,769,000 in equity and $1,933,000 in loans loss reserves. That gives it a Texas Ratio of 0.01%.

Return on Equity
CBank U.S. Bank Average
6.99% 7.80%

CBank has a Return on Equity of 6.99% 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
CBank U.S. Bank Average
12.03% 12.68%

CBank has a Capitalization of 12.03% 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.

CBank Balance Sheet Analysis

As of March 31, 2020, CBank had assets of $205,963,000, loans of $166,642,000, and deposits of $178,013,000. 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 $ 14.47 million
Interest-bearing balances $ 13.84 million
Total securities $ 9.14 million
Federal funds sold and reverse repurchase $ 8.51 million
Net loans and leases $ 166.64 million
Loan loss allowance $ 1.93 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.45 million
All other assets $ 4.11 million
     Total Assets $ 181.19 million
LIABILITIES
Total deposits $ 178.01 million
      Interest-bearing deposits $ 154.70 million
      Deposits held in domestic offices $ 178.01 million
      % insured (estimated) 73.34%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 2.64 million
Subordinated debt N.A.
All other liabilities $ 0.54 million
      Total Liabilities $ 181.19 million
      Shareholders’ Equity $ 24.77 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.39 million
Total Interest Expense $ 0.66 million
Net interest income $ 1.72 million
Provision for loan and lease losses $ 0.06 million
Total non interest income $ 0.20 million
Total non interest expense $ 1.44 million
Pre-tax Net Operating Income $ 0.43 million

Bank Loan Profile?

The top three loan types in CBank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Ohio, CBank has a significantly higher percent of 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 15.79
Multifamily
Mortgages
6.01
Credit Card Loans 0.03
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 2.13
Commercial Real Estate 30.37
Commercial and Industrial Loans 22.38
Farm Loans 0.00

Frequently Asked Questions About Cbank

Branches and Savings

Is Cbank FDIC insured?

Yes. It is covered under FDIC Certificate #58434.

Why does Cbank pay such low interest on savings accounts?

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

Why are Cbank CD rates not competitive?

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

Is Cbank a commercial bank?

Yes

Where are Cbank locations?

See branch locations nearby.

Is Cbank open on Saturdays?

Is Cbank open on Sundays?

What time does Cbank open?

What time does Cbank close?

Are Cbank ATMs Open 24/7?

Do Cbank ATMs accept cash deposits?

Can Cbank customers use other ATMs?

Do Cbank branches have notaries?

Will Cbank notarize my document?

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

Will the Cbank branch print checks?

Do Cbank checks expire?

Does Cbank require US citizenship to open account?

Can Cbank close my account?

Does Cbank Report to credit bureaus?

Does Cbank Use Equifax?

What is Cbank's ACH Routing Number?

What is Cbank's SWIFT code?

Products

Does Cbank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Cbank offer personal loans?

Compare personal loan rates here.

Does Cbank offer student loans?

Will Cbank cash a check?

Will Cbank redeem a savings bond?

Does Cbank cash savings bonds?

Will Cbank cash money orders?

Can Cbank issue a money order?

Does Cbank do currency exchange?

Background on The Bank

Who owns Cbank?

How long has Cbank been around?

Can Cbank transfer to other banks?

Does Cbank have quick pay?

Does Cbank accept rolled coins?

Will Cbank accept loose change?

Where is Cbank headquarters?

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