Central Bank and Trust Co.

Headquarters

700 East 30th Avenue
Hutchinson, KS 67502
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

Central Bank and Trust Co. is an FDIC insured institution located in Hutchinson, KS. It was founded in 1915 and has approximately $0.3 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 11772
Date Established 1915
Assets $ 313.26 million
Loans $ 196.32 million
Deposits $ 246.16 million
Capital $ 55.37 million
 

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

Deposit Rates - December 3, 2020

Your Current Location: Virginia, VA 20146

 

Loan Rates - December 3, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Central Bank and Trust Co.

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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New American Funding
NMLS ID: 6606
2.605% 2.500% 0.75 $3,479 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

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Third Federal Savings and Loans
Third Federal Savings and Loans
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2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
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Note to Central Bank and Trust Co.
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Branches

Central Bank and Trust Co. 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


Central Bank and Trust Co. Locations


Financial Details

Central Bank and Trust Co. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Central Bank and Trust Co.. 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
Central Bank and Trust Co. U.S. Bank Average
0.99% 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, Central Bank and Trust Co. had $474,000 in non-current loans and $76,000 in owned real estate. To cover these potential losses it had $55,366,000 in equity and $207,000 in loans loss reserves. That gives it a Texas Ratio of 0.99%.

Return on Equity
Central Bank and Trust Co. U.S. Bank Average
7.82% 7.80%

Central Bank and Trust Co. has a Return on Equity of 7.82% 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
Central Bank and Trust Co. U.S. Bank Average
17.67% 12.68%

Central Bank and Trust Co. has a Capitalization of 17.67% 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.

Central Bank and Trust Co. Balance Sheet Analysis

As of March 31, 2019, Central Bank and Trust Co. had assets of $303,760,000, loans of $196,317,000, and deposits of $246,158,000. 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 $ 8.63 million
Interest-bearing balances $ 4.66 million
Total securities $ 39.58 million
Federal funds sold and reverse repurchase $ 24.21 million
Net loans and leases $ 196.32 million
Loan loss allowance $ 0.21 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.08 million
Goodwill and other intangibles $ 25.66 million
All other assets $ 2.11 million
     Total Assets $ 248.39 million
LIABILITIES
Total deposits $ 246.16 million
      Interest-bearing deposits $ 196.35 million
      Deposits held in domestic offices $ 246.16 million
      % insured (estimated) 77.53%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1.26 million
Subordinated debt N.A.
All other liabilities $ 0.97 million
      Total Liabilities $ 248.39 million
      Shareholders’ Equity $ 64.87 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.41 million
Total Interest Expense $ 0.64 million
Net interest income $ 2.77 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 0.76 million
Total non interest expense $ 2.29 million
Pre-tax Net Operating Income $ 1.09 million

Bank Loan Profile?

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

Compared to other banks in Kansas, Central Bank and Trust Co. has a significantly higher percent of Small Business Loans, Commercial Real Estate 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 18.51
Multifamily
Mortgages
1.15
Credit Card Loans 0.00
Consumer Auto Loans 0.56
Small Business Loans 12.17
Construction and Development Loans 2.60
Commercial Real Estate 34.46
Commercial and Industrial Loans 16.63
Farm Loans 8.00

Frequently Asked Questions About Central Bank And Trust Co.

Branches and Savings

Is Central Bank And Trust Co. FDIC insured?

Yes. It is covered under FDIC Certificate #11772.

Why does Central Bank And Trust Co. pay such low interest on savings accounts?

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

Why are Central Bank And Trust Co. CD rates not competitive?

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

Is Central Bank And Trust Co. a commercial bank?

Yes

Where are Central Bank And Trust Co. locations?

See branch locations nearby.

Is Central Bank And Trust Co. open on Saturdays?

Is Central Bank And Trust Co. open on Sundays?

What time does Central Bank And Trust Co. open?

What time does Central Bank And Trust Co. close?

Are Central Bank And Trust Co. ATMs Open 24/7?

Do Central Bank And Trust Co. ATMs accept cash deposits?

Can Central Bank And Trust Co. customers use other ATMs?

Do Central Bank And Trust Co. branches have notaries?

Will Central Bank And Trust Co. notarize my document?

What address for Central Bank And Trust Co. should I put for incoming ACH transfers?

Will the Central Bank And Trust Co. branch print checks?

Do Central Bank And Trust Co. checks expire?

Does Central Bank And Trust Co. require US citizenship to open account?

Can Central Bank And Trust Co. close my account?

Does Central Bank And Trust Co. Report to credit bureaus?

Does Central Bank And Trust Co. Use Equifax?

What is Central Bank And Trust Co.'s ACH Routing Number?

What is Central Bank And Trust Co.'s SWIFT code?

Products

Does Central Bank And Trust Co. offer mortgages?

Compare mortgage rates here.

Does Central Bank And Trust Co. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Central Bank And Trust Co. offer personal loans?

Compare personal loan rates here.

Does Central Bank And Trust Co. offer student loans?

Will Central Bank And Trust Co. cash a check?

Will Central Bank And Trust Co. redeem a savings bond?

Does Central Bank And Trust Co. cash savings bonds?

Will Central Bank And Trust Co. cash money orders?

Can Central Bank And Trust Co. issue a money order?

Does Central Bank And Trust Co. do currency exchange?

Background on The Bank

Who owns Central Bank And Trust Co.?

How long has Central Bank And Trust Co. been around?

Can Central Bank And Trust Co. transfer to other banks?

Does Central Bank And Trust Co. have quick pay?

Does Central Bank And Trust Co. accept rolled coins?

Will Central Bank And Trust Co. accept loose change?

Where is Central Bank And Trust Co. headquarters?

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