Cendera Bank, National Association

615 E. Bells Blvd
Bells, TX 75414

Notable Rates APY Vs.Others
Savings 0.10% 1.90% →
1-Year CD 1.26% 1.90% →
2-Year CD 1.76% 1.95% →
5-Year CD 2.63% 2.25% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

Cendera Bank, National Association is an FDIC insured institution located in Bells, TX. It was founded in 1904 and has approximately $0.11 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 3098
Date Established 1904
Assets $0.11 billion
Loans $0.09 billion
Deposits $0.09 billion
Capital $0.01 billion
 

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

Deposit Rates - April 6, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $1,000 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.50% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.75% $100,000 - Learn MoreShow Less
6 Mo CD
0.65% $500 $99,999 Learn MoreShow Less
6 Mo CD
1.00% $100,000 - Learn MoreShow Less

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,500 - Learn MoreShow Less

Loan Rates - April 6, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Cendera Bank, National Association

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
Quicken Loans NMLS #3030
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
Rocket Mortgage
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 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.
3.500 %
$0 Learn More
More Info

Note to Cendera Bank, National Association
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Branches

Cendera Bank, National Association 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


Cendera Bank, National Association Locations


Financial Details

Cendera Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cendera Bank, National Association. 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
Cendera Bank, National Association U.S. Bank Average
1.86% 6.51%

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 December 31, 2019, Cendera Bank, National Association had $36,000 in non-current loans and $229,000 in owned real estate. To cover these potential losses it had $13,343,000 in equity and $895,000 in loans loss reserves. That gives it a Texas Ratio of 1.86%.

Return on Equity
Cendera Bank, National Association U.S. Bank Average
9.27% 9.41%

Cendera Bank, National Association has a Return on Equity of 9.27% versus the BestCashCow average of 9.41%. 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
Cendera Bank, National Association U.S. Bank Average
12.27% 12.82%

Cendera Bank, National Association has a Capitalization of 12.27% versus the BestCashCow average of 12.82. 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.

Cendera Bank, National Association Balance Sheet Analysis

As of December 31, 2019, Cendera Bank, National Association had assets of $108,754,000, loans of $90,473,000, and deposits of $94,985,000. 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

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.10 billion
LIABILITIES
Total deposits $0.09 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 76.52%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Cendera Bank, National Association’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial Real Estate.

Compared to other banks in Texas, Cendera Bank, National Association has a significantly higher percent of 1-4 Family Residential Loans, Construction and Development 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 47.96
Multifamily
Mortgages
1.42
Credit Card Loans 0.00
Consumer Auto Loans 0.44
Small Business Loans 9.47
Construction and Development Loans 28.98
Commercial Real Estate 12.01
Commercial and Industrial Loans 8.22
Farm Loans 0.55

Frequently Asked Questions About Cendera Bank, National Association

Branches and Savings

Is Cendera Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #3098.

Why does Cendera Bank, National Association pay such low interest on savings accounts?

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

Why are Cendera Bank, National Association CD rates not competitive?

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

Is Cendera Bank, National Association a commercial bank?

Yes

Where are Cendera Bank, National Association locations?

See branch locations nearby.

Is Cendera Bank, National Association open on Saturdays?

Is Cendera Bank, National Association open on Sundays?

What time does Cendera Bank, National Association open?

What time does Cendera Bank, National Association close?

Are Cendera Bank, National Association ATMs Open 24/7?

Do Cendera Bank, National Association ATMs accept cash deposits?

Can Cendera Bank, National Association customers use other ATMs?

Do Cendera Bank, National Association branches have notaries?

Will Cendera Bank, National Association notarize my document?

What address for Cendera Bank, National Association should I put for incoming ACH transfers?

Will the Cendera Bank, National Association branch print checks?

Do Cendera Bank, National Association checks expire?

Does Cendera Bank, National Association require US citizenship to open account?

Can Cendera Bank, National Association close my account?

Does Cendera Bank, National Association Report to credit bureaus?

Does Cendera Bank, National Association Use Equifax?

What is Cendera Bank, National Association's ACH Routing Number?

What is Cendera Bank, National Association's SWIFT code?

Products

Does Cendera Bank, National Association offer mortgages?

Compare mortgage rates here.

Does Cendera Bank, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cendera Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Cendera Bank, National Association offer student loans?

Will Cendera Bank, National Association cash a check?

Will Cendera Bank, National Association redeem a savings bond?

Does Cendera Bank, National Association cash savings bonds?

Will Cendera Bank, National Association cash money orders?

Can Cendera Bank, National Association issue a money order?

Does Cendera Bank, National Association do currency exchange?

Background on The Bank

Who owns Cendera Bank, National Association?

How long has Cendera Bank, National Association been around?

Can Cendera Bank, National Association transfer to other banks?

Does Cendera Bank, National Association have quick pay?

Does Cendera Bank, National Association accept rolled coins?

Will Cendera Bank, National Association accept loose change?

Where is Cendera Bank, National Association headquarters?

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