CB&T Bank of Middle Georgia

Headquarters

1444 Watson Boulevard
Warner Robins, GA 31093
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

CB&T Bank of Middle Georgia is an FDIC insured institution located in Warner Robins, GA. It was founded in 1985 and has approximately $0.5 billion in assets.

FDIC Insured Yes
FDIC Certificate # 25804
Date Established 1985
Assets $ 531.11 million
Loans $ 344.67 million
Deposits $ 464.81 million
Capital $ 59.59 million
 

For a more detailed analysis of CB&T Bank of Middle Georgia's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 4, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - December 4, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for CB&T Bank of Middle Georgia

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
2.556% 2.500% 0.75 $1,852 $988 Learn More

Featured - Connecticut 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
2.240 %
$0 Learn More
More Info

Note to CB&T Bank of Middle Georgia
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Branches

CB&T Bank of Middle Georgia 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


CB&T Bank of Middle Georgia Locations


Financial Details

CB&T Bank of Middle Georgia Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CB&T Bank of Middle Georgia. 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 Middle Georgia U.S. Bank Average
40.14% 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 Middle Georgia had $29,474,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $59,588,000 in equity and $13,839,000 in loans loss reserves. That gives it a Texas Ratio of 40.14%.

Return on Equity
CB&T Bank of Middle Georgia U.S. Bank Average
-43.77% 7.80%

CB&T Bank of Middle Georgia has a Return on Equity of -43.77% 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 Middle Georgia U.S. Bank Average
11.22% 12.68%

CB&T Bank of Middle Georgia has a Capitalization of 11.22% 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 Middle Georgia Balance Sheet Analysis

As of November 30, -0001, CB&T Bank of Middle Georgia had assets of $499,687,000, loans of $344,671,000, and deposits of $464,805,000. 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 $ 344.67 million
Loan loss allowance $ 13.84 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 $ 464.81 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 $ 531.11 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 Middle Georgia’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, CB&T Bank of Middle Georgia’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 Middle Georgia

Branches and Savings

Is Cb&t Bank Of Middle Georgia FDIC insured?

Yes. It is covered under FDIC Certificate #25804.

Why does Cb&t Bank Of Middle Georgia 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 Middle Georgia CD rates not competitive?

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

Is Cb&t Bank Of Middle Georgia a commercial bank?

Yes

Where are Cb&t Bank Of Middle Georgia locations?

See branch locations nearby.

Is Cb&t Bank Of Middle Georgia open on Saturdays?

Is Cb&t Bank Of Middle Georgia open on Sundays?

What time does Cb&t Bank Of Middle Georgia open?

What time does Cb&t Bank Of Middle Georgia close?

Are Cb&t Bank Of Middle Georgia ATMs Open 24/7?

Do Cb&t Bank Of Middle Georgia ATMs accept cash deposits?

Can Cb&t Bank Of Middle Georgia customers use other ATMs?

Do Cb&t Bank Of Middle Georgia branches have notaries?

Will Cb&t Bank Of Middle Georgia notarize my document?

What address for Cb&t Bank Of Middle Georgia should I put for incoming ACH transfers?

Will the Cb&t Bank Of Middle Georgia branch print checks?

Do Cb&t Bank Of Middle Georgia checks expire?

Does Cb&t Bank Of Middle Georgia require US citizenship to open account?

Can Cb&t Bank Of Middle Georgia close my account?

Does Cb&t Bank Of Middle Georgia Report to credit bureaus?

Does Cb&t Bank Of Middle Georgia Use Equifax?

What is Cb&t Bank Of Middle Georgia's ACH Routing Number?

What is Cb&t Bank Of Middle Georgia's SWIFT code?

Products

Does Cb&t Bank Of Middle Georgia offer mortgages?

Compare mortgage rates here.

Does Cb&t Bank Of Middle Georgia offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cb&t Bank Of Middle Georgia offer personal loans?

Compare personal loan rates here.

Does Cb&t Bank Of Middle Georgia offer student loans?

Will Cb&t Bank Of Middle Georgia cash a check?

Will Cb&t Bank Of Middle Georgia redeem a savings bond?

Does Cb&t Bank Of Middle Georgia cash savings bonds?

Will Cb&t Bank Of Middle Georgia cash money orders?

Can Cb&t Bank Of Middle Georgia issue a money order?

Does Cb&t Bank Of Middle Georgia do currency exchange?

Background on The Bank

Who owns Cb&t Bank Of Middle Georgia?

How long has Cb&t Bank Of Middle Georgia been around?

Can Cb&t Bank Of Middle Georgia transfer to other banks?

Does Cb&t Bank Of Middle Georgia have quick pay?

Does Cb&t Bank Of Middle Georgia accept rolled coins?

Will Cb&t Bank Of Middle Georgia accept loose change?

Where is Cb&t Bank Of Middle Georgia headquarters?

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