CBC NATIONAL BANK

1891 South 14th Street
Fernandina Beach, FL 32034

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35309
Date Established 2000
Assets $0.64 billion
Loans $0.55 billion
Deposits $0.43 billion
Capital $0.07 billion

CBC NATIONAL BANK is an FDIC insured institution located in Fernandina Beach, FL. It was founded in 2000 and has approximately $0.64 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of CBC NATIONAL BANK'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 CBC NATIONAL BANK’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Florida, CBC NATIONAL BANK has a significantly higher percent of 1-4 Family Residential 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 54.74
Multifamily
Mortgages
0.79
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 12.35
Construction and Development Loans 9.19
Commercial Real Estate 29.62
Commercial and Industrial Loans 4.32
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.25% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.45% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.45% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.25% $1 $9,999 Learn MoreShow Less
MM 10K
0.35% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.45% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $100 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CBC NATIONAL BANK

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.896% 3.875% 0.25 $628 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More
Flagstar Bank 4.990% $268.11 Learn More

Note to CBC NATIONAL BANK
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Branches

CBC NATIONAL 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:
Ashburn,Virginia


CBC NATIONAL BANK Locations

Financial Details

CBC NATIONAL BANK Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CBC NATIONAL 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
CBC NATIONAL BANK U.S. Bank Average
12.51% 8.45

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, 2017, CBC NATIONAL BANK had $4,365,000 in non-current loans and $5,018,000 in owned real estate. To cover these potential losses it had $69,482,000 in equity and $5,510,000 in loans loss reserves. That gives it a Texas Ratio of 12.51%. 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
CBC NATIONAL BANK U.S. Bank Average
12.07% 8.58

CBC NATIONAL BANK has a Return on Equity of 12.07% versus the BestCashCow average of 8.58. 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
CBC NATIONAL BANK U.S. Bank Average
10.93% 12.11

CBC NATIONAL BANK has a Capitalization of 10.93% versus the BestCashCow average of 12.11. 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.

CBC NATIONAL BANK Balance Sheet Analysis

As of June 30, 2017, CBC NATIONAL BANK had assets of $635,516,000, loans of $551,024,000, and deposits of $433,797,000. 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.

Frequently Asked Questions About CBC NATIONAL BANK

Branches and Savings

Is CBC NATIONAL BANK FDIC insured?

Yes. It is covered under FDIC Certificate #35309.

Why does CBC NATIONAL BANK pay such low interest on savings accounts?

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

Why are CBC NATIONAL BANK CD rates not competitive?

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

Is CBC NATIONAL BANK a commercial bank?

Yes

Where are CBC NATIONAL BANK locations?

See branch locations nearby.

Is CBC NATIONAL BANK open on Saturdays?

Is CBC NATIONAL BANK open on Sundays?

What time does CBC NATIONAL BANK open?

What time does CBC NATIONAL BANK close?

Are CBC NATIONAL BANK ATMs Open 24/7?

Do CBC NATIONAL BANK ATMs accept cash deposits?

Can CBC NATIONAL BANK customers use other ATMs?

Do CBC NATIONAL BANK branches have notaries?

Will CBC NATIONAL BANK notarize my document?

What address for CBC NATIONAL BANK should I put for incoming ACH transfers?

Will the CBC NATIONAL BANK branch print checks?

Do CBC NATIONAL BANK checks expire?

Does CBC NATIONAL BANK require US citizenship to open account?

Can CBC NATIONAL BANK close my account?

Does CBC NATIONAL BANK Report to credit bureaus?

Does CBC NATIONAL BANK Use Equifax?

What is CBC NATIONAL BANK's ACH Routing Number?

What is CBC NATIONAL BANK's SWIFT code?

Products

Does CBC NATIONAL BANK offer mortgages?

Compare mortgage rates here.

Does CBC NATIONAL BANK offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does CBC NATIONAL BANK offer personal loans?

Compare personal loan rates here.

Does CBC NATIONAL BANK offer student loans?

Will CBC NATIONAL BANK cash a check?

Will CBC NATIONAL BANK redeem a savings bond?

Does CBC NATIONAL BANK cash savings bonds?

Will CBC NATIONAL BANK cash money orders?

Can CBC NATIONAL BANK issue a money order?

Does CBC NATIONAL BANK do currency exchange?

Background on The Bank

Who owns CBC NATIONAL BANK?

How long has CBC NATIONAL BANK been around?

Can CBC NATIONAL BANK transfer to other banks?

Does CBC NATIONAL BANK have quick pay?

Does CBC NATIONAL BANK accept rolled coins?

Will CBC NATIONAL BANK accept loose change?

Where is CBC NATIONAL BANK headquarters?

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