CB&T Bank of East Alabama

Headquarters

1000 13th Street
Phenix City, AL 36868
See all branch locations →

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

CB&T Bank of East Alabama is an FDIC insured institution located in Phenix City, AL. It was founded in 1909 and has approximately $0.33 billion in assets.

FDIC Insured Yes
FDIC Certificate # 9055
Date Established 1909
Assets $ 294.82 million
Loans $ 246.15 million
Deposits $ 260.37 million
Capital $ 28.48 million
 

For a more detailed analysis of CB&T Bank of East Alabama'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


Loan Rates - September 22, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CB&T Bank of East Alabama

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

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Payment
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Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 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

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Bethpage Federal Credit Union
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3.500 %
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Third Federal Savings and Loans
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2.990 %
$0 Learn More
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Note to CB&T Bank of East Alabama
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Branches

CB&T Bank of East Alabama 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


CB&T Bank of East Alabama Locations


Financial Details

CB&T Bank of East Alabama Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CB&T Bank of East Alabama. 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
CB&T Bank of East Alabama U.S. Bank Average
15.25% 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, CB&T Bank of East Alabama had $5,438,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $28,482,000 in equity and $7,182,000 in loans loss reserves. That gives it a Texas Ratio of 15.25%.

Return on Equity
CB&T Bank of East Alabama U.S. Bank Average
1.95% 7.80%

CB&T Bank of East Alabama has a Return on Equity of 1.95% 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
CB&T Bank of East Alabama U.S. Bank Average
9.66% 12.68%

CB&T Bank of East Alabama has a Capitalization of 9.66% 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.

CB&T Bank of East Alabama Balance Sheet Analysis

As of November 30, -0001, CB&T Bank of East Alabama had assets of $328,496,000, loans of $246,151,000, and deposits of $260,369,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 246.15 million
Loan loss allowance $ 7.18 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 260.37 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 294.82 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in CB&T Bank of East Alabama’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, CB&T Bank of East Alabama’s loan portfolio does not show any specific loan specialty.

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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Cb&t Bank Of East Alabama

Branches and Savings

Is Cb&t Bank Of East Alabama FDIC insured?

Yes. It is covered under FDIC Certificate #9055.

Why does Cb&t Bank Of East Alabama pay such low interest on savings accounts?

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

Why are Cb&t Bank Of East Alabama CD rates not competitive?

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

Is Cb&t Bank Of East Alabama a commercial bank?

Yes

Where are Cb&t Bank Of East Alabama locations?

See branch locations nearby.

Is Cb&t Bank Of East Alabama open on Saturdays?

Is Cb&t Bank Of East Alabama open on Sundays?

What time does Cb&t Bank Of East Alabama open?

What time does Cb&t Bank Of East Alabama close?

Are Cb&t Bank Of East Alabama ATMs Open 24/7?

Do Cb&t Bank Of East Alabama ATMs accept cash deposits?

Can Cb&t Bank Of East Alabama customers use other ATMs?

Do Cb&t Bank Of East Alabama branches have notaries?

Will Cb&t Bank Of East Alabama notarize my document?

What address for Cb&t Bank Of East Alabama should I put for incoming ACH transfers?

Will the Cb&t Bank Of East Alabama branch print checks?

Do Cb&t Bank Of East Alabama checks expire?

Does Cb&t Bank Of East Alabama require US citizenship to open account?

Can Cb&t Bank Of East Alabama close my account?

Does Cb&t Bank Of East Alabama Report to credit bureaus?

Does Cb&t Bank Of East Alabama Use Equifax?

What is Cb&t Bank Of East Alabama's ACH Routing Number?

What is Cb&t Bank Of East Alabama's SWIFT code?

Products

Does Cb&t Bank Of East Alabama offer mortgages?

Compare mortgage rates here.

Does Cb&t Bank Of East Alabama offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cb&t Bank Of East Alabama offer personal loans?

Compare personal loan rates here.

Does Cb&t Bank Of East Alabama offer student loans?

Will Cb&t Bank Of East Alabama cash a check?

Will Cb&t Bank Of East Alabama redeem a savings bond?

Does Cb&t Bank Of East Alabama cash savings bonds?

Will Cb&t Bank Of East Alabama cash money orders?

Can Cb&t Bank Of East Alabama issue a money order?

Does Cb&t Bank Of East Alabama do currency exchange?

Background on The Bank

Who owns Cb&t Bank Of East Alabama?

How long has Cb&t Bank Of East Alabama been around?

Can Cb&t Bank Of East Alabama transfer to other banks?

Does Cb&t Bank Of East Alabama have quick pay?

Does Cb&t Bank Of East Alabama accept rolled coins?

Will Cb&t Bank Of East Alabama accept loose change?

Where is Cb&t Bank Of East Alabama headquarters?

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