CenTrust Bank, National Association

385 Waukegan Road
Northbrook, IL 60062

Notable Rates APY Vs.Others
Savings 1.85% 2.25% →
1-Year CD 1.25% 2.25% →
2-Year CD 1.40% 2.50% →
5-Year CD 1.50% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

CenTrust Bank, National Association is an FDIC insured institution located in Northbrook, IL. It was founded in 2006 and has approximately $0.13 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58158
Date Established 2006
Assets $0.13 billion
Loans $0.10 billion
Deposits $0.11 billion
Capital $0.01 billion
 

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

Deposit Rates - December 15, 2019

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
0.20% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
0.30% $500 $249,999 Learn MoreShow Less
0.50% $500 $249,999 Learn MoreShow Less
Special: 9 Mo CD
1.80% $500 - Learn MoreShow Less
1.25% $500 $249,999 Learn MoreShow Less
Special: 14 Mo CD
1.85% $500 - Learn MoreShow Less
1.30% $500 $249,999 Learn MoreShow Less
1.40% $500 $249,999 Learn MoreShow Less
36 Mo CD
1.50% $500 $249,999 Learn MoreShow Less
48 Mo CD
1.50% $500 $249,999 Learn MoreShow Less
1.50% $500 $249,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
1.25% $500 $249,999 Learn MoreShow Less
Special: 9 Mo FIRA
1.80% $500 - Learn MoreShow Less
Special: 14 Mo FIRA
1.85% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - December 15, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for CenTrust 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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.625% 3.625% -0.13 ($222) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info

Note to CenTrust Bank, National Association
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

CenTrust 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


CenTrust Bank, National Association Locations


Financial Details

CenTrust Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CenTrust 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
CenTrust Bank, National Association U.S. Bank Average
52.45% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2019, CenTrust Bank, National Association had $1,510,000 in non-current loans and $5,617,000 in owned real estate. To cover these potential losses it had $11,991,000 in equity and $1,596,000 in loans loss reserves. That gives it a Texas Ratio of 52.45%.

Return on Equity
CenTrust Bank, National Association U.S. Bank Average
13.92% 9.50%

CenTrust Bank, National Association has a Return on Equity of 13.92% versus the BestCashCow average of 9.50%. 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
CenTrust Bank, National Association U.S. Bank Average
9.24% 12.76%

CenTrust Bank, National Association has a Capitalization of 9.24% versus the BestCashCow average of 12.76. 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.

CenTrust Bank, National Association Balance Sheet Analysis

As of June 30, 2019, CenTrust Bank, National Association had assets of $129,826,000, loans of $96,738,000, and deposits of $112,085,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.10 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 $0.01 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.12 billion
LIABILITIES
Total deposits $0.11 billion
      Interest-bearing deposits $0.10 billion
      Deposits held in domestic offices $0.11 billion
      % insured (estimated) 81.87%
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 $0.12 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 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 CenTrust Bank, National Association’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Illinois, CenTrust Bank, National Association has a significantly higher percent of Small Business Loans, Construction and Development Loans, Commercial and Industrial 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 21.51
Multifamily
Mortgages
5.79
Credit Card Loans 0.00
Consumer Auto Loans 0.05
Small Business Loans 23.86
Construction and Development Loans 10.20
Commercial Real Estate 29.43
Commercial and Industrial Loans 34.99
Farm Loans 0.00

Frequently Asked Questions About Centrust Bank, National Association

Branches and Savings

Is Centrust Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #58158.

Why does Centrust 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 Centrust Bank, National Association CD rates not competitive?

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

Is Centrust Bank, National Association a commercial bank?

Yes

Where are Centrust Bank, National Association locations?

See branch locations nearby.

Is Centrust Bank, National Association open on Saturdays?

Is Centrust Bank, National Association open on Sundays?

What time does Centrust Bank, National Association open?

What time does Centrust Bank, National Association close?

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

Do Centrust Bank, National Association ATMs accept cash deposits?

Can Centrust Bank, National Association customers use other ATMs?

Do Centrust Bank, National Association branches have notaries?

Will Centrust Bank, National Association notarize my document?

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

Will the Centrust Bank, National Association branch print checks?

Do Centrust Bank, National Association checks expire?

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

Can Centrust Bank, National Association close my account?

Does Centrust Bank, National Association Report to credit bureaus?

Does Centrust Bank, National Association Use Equifax?

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

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

Products

Does Centrust Bank, National Association offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Centrust Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Centrust Bank, National Association offer student loans?

Will Centrust Bank, National Association cash a check?

Will Centrust Bank, National Association redeem a savings bond?

Does Centrust Bank, National Association cash savings bonds?

Will Centrust Bank, National Association cash money orders?

Can Centrust Bank, National Association issue a money order?

Does Centrust Bank, National Association do currency exchange?

Background on The Bank

Who owns Centrust Bank, National Association?

How long has Centrust Bank, National Association been around?

Can Centrust Bank, National Association transfer to other banks?

Does Centrust Bank, National Association have quick pay?

Does Centrust Bank, National Association accept rolled coins?

Will Centrust Bank, National Association accept loose change?

Where is Centrust Bank, National Association headquarters?

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