Central Bank of Jefferson County

Headquarters

4630 Taylorsville Road
Louisville, KY 40220
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.00% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.00% →
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

Central Bank of Jefferson County is an FDIC insured institution located in Louisville, KY. It was founded in 1996 and has approximately $0.18 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34153
Date Established 1996
Assets $ 177.46 million
Loans $ 131.75 million
Deposits $ 146.91 million
Capital $ 25.26 million
 

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

Deposit Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Central Bank of Jefferson County

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

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License#: 13256
2.574% 2.500% 1.00 $2,445 $988 Learn More
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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
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2.240 %
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Note to Central Bank of Jefferson County
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Branches

Central Bank of Jefferson County 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


Central Bank of Jefferson County Locations


Financial Details

Central Bank of Jefferson County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Central Bank of Jefferson County. 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 of Jefferson County U.S. Bank Average
7.49% 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 of Jefferson County had $1,800,000 in non-current loans and $196,000 in owned real estate. To cover these potential losses it had $25,263,000 in equity and $1,373,000 in loans loss reserves. That gives it a Texas Ratio of 7.49%.

Return on Equity
Central Bank of Jefferson County U.S. Bank Average
4.01% 7.80%

Central Bank of Jefferson County has a Return on Equity of 4.01% 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 of Jefferson County U.S. Bank Average
14.24% 12.68%

Central Bank of Jefferson County has a Capitalization of 14.24% 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 of Jefferson County Balance Sheet Analysis

As of March 31, 2017, Central Bank of Jefferson County had assets of $177,456,000, loans of $131,753,000, and deposits of $146,911,000. 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 $ 131.75 million
Loan loss allowance $ 1.37 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.20 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 146.91 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 $ 177.46 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 Central Bank of Jefferson County’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks, Central Bank of Jefferson County’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 44.51
Multifamily
Mortgages
1.42
Credit Card Loans 0.25
Consumer Auto Loans 0.19
Small Business Loans 0.00
Construction and Development Loans 11.42
Commercial Real Estate 24.74
Commercial and Industrial Loans 11.18
Farm Loans 0.00

Frequently Asked Questions About Central Bank Of Jefferson County

Branches and Savings

Is Central Bank Of Jefferson County FDIC insured?

Yes. It is covered under FDIC Certificate #34153.

Why does Central Bank Of Jefferson County 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 Of Jefferson County CD rates not competitive?

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

Is Central Bank Of Jefferson County a commercial bank?

Yes

Where are Central Bank Of Jefferson County locations?

See branch locations nearby.

Is Central Bank Of Jefferson County open on Saturdays?

Is Central Bank Of Jefferson County open on Sundays?

What time does Central Bank Of Jefferson County open?

What time does Central Bank Of Jefferson County close?

Are Central Bank Of Jefferson County ATMs Open 24/7?

Do Central Bank Of Jefferson County ATMs accept cash deposits?

Can Central Bank Of Jefferson County customers use other ATMs?

Do Central Bank Of Jefferson County branches have notaries?

Will Central Bank Of Jefferson County notarize my document?

What address for Central Bank Of Jefferson County should I put for incoming ACH transfers?

Will the Central Bank Of Jefferson County branch print checks?

Do Central Bank Of Jefferson County checks expire?

Does Central Bank Of Jefferson County require US citizenship to open account?

Can Central Bank Of Jefferson County close my account?

Does Central Bank Of Jefferson County Report to credit bureaus?

Does Central Bank Of Jefferson County Use Equifax?

What is Central Bank Of Jefferson County's ACH Routing Number?

What is Central Bank Of Jefferson County's SWIFT code?

Products

Does Central Bank Of Jefferson County offer mortgages?

Compare mortgage rates here.

Does Central Bank Of Jefferson County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Central Bank Of Jefferson County offer personal loans?

Compare personal loan rates here.

Does Central Bank Of Jefferson County offer student loans?

Will Central Bank Of Jefferson County cash a check?

Will Central Bank Of Jefferson County redeem a savings bond?

Does Central Bank Of Jefferson County cash savings bonds?

Will Central Bank Of Jefferson County cash money orders?

Can Central Bank Of Jefferson County issue a money order?

Does Central Bank Of Jefferson County do currency exchange?

Background on The Bank

Who owns Central Bank Of Jefferson County?

How long has Central Bank Of Jefferson County been around?

Can Central Bank Of Jefferson County transfer to other banks?

Does Central Bank Of Jefferson County have quick pay?

Does Central Bank Of Jefferson County accept rolled coins?

Will Central Bank Of Jefferson County accept loose change?

Where is Central Bank Of Jefferson County headquarters?

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