Christiana Bank & Trust Company

Headquarters

3801 Kennett Pike, Suite C-200
Greenville, DE 19807
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
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

Christiana Bank & Trust Company is an FDIC insured institution located in Greenville, DE. It was founded in 1994 and has approximately $0.2 billion in assets.

FDIC Insured Yes
FDIC Certificate # 33875
Date Established 1994
Assets $ 199.46 million
Loans $ 113.04 million
Deposits $ 161.31 million
Capital $ 34.93 million
 

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

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Christiana Bank & Trust Company

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
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.569% 2.500% 0.88 $2,258 $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 Christiana Bank & Trust Company
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Branches

Christiana Bank & Trust Company 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


Christiana Bank & Trust Company Locations


Financial Details

Christiana Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Christiana Bank & Trust Company. 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
Christiana Bank & Trust Company U.S. Bank Average
6.57% 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, Christiana Bank & Trust Company had $2,438,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $34,932,000 in equity and $2,195,000 in loans loss reserves. That gives it a Texas Ratio of 6.57%.

Return on Equity
Christiana Bank & Trust Company U.S. Bank Average
-27.89% 7.80%

Christiana Bank & Trust Company has a Return on Equity of -27.89% 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
Christiana Bank & Trust Company U.S. Bank Average
17.51% 12.68%

Christiana Bank & Trust Company has a Capitalization of 17.51% 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.

Christiana Bank & Trust Company Balance Sheet Analysis

As of November 30, -0001, Christiana Bank & Trust Company had assets of $199,464,000, loans of $113,038,000, and deposits of $161,309,000. 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 $ 113.04 million
Loan loss allowance $ 2.20 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 $ 161.31 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 $ 199.46 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 Christiana Bank & Trust Company’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Christiana Bank & Trust Company’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 Christiana Bank & Trust Company

Branches and Savings

Is Christiana Bank & Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #33875.

Why does Christiana Bank & Trust Company pay such low interest on savings accounts?

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

Why are Christiana Bank & Trust Company CD rates not competitive?

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

Is Christiana Bank & Trust Company a commercial bank?

Yes

Where are Christiana Bank & Trust Company locations?

See branch locations nearby.

Is Christiana Bank & Trust Company open on Saturdays?

Is Christiana Bank & Trust Company open on Sundays?

What time does Christiana Bank & Trust Company open?

What time does Christiana Bank & Trust Company close?

Are Christiana Bank & Trust Company ATMs Open 24/7?

Do Christiana Bank & Trust Company ATMs accept cash deposits?

Can Christiana Bank & Trust Company customers use other ATMs?

Do Christiana Bank & Trust Company branches have notaries?

Will Christiana Bank & Trust Company notarize my document?

What address for Christiana Bank & Trust Company should I put for incoming ACH transfers?

Will the Christiana Bank & Trust Company branch print checks?

Do Christiana Bank & Trust Company checks expire?

Does Christiana Bank & Trust Company require US citizenship to open account?

Can Christiana Bank & Trust Company close my account?

Does Christiana Bank & Trust Company Report to credit bureaus?

Does Christiana Bank & Trust Company Use Equifax?

What is Christiana Bank & Trust Company's ACH Routing Number?

What is Christiana Bank & Trust Company's SWIFT code?

Products

Does Christiana Bank & Trust Company offer mortgages?

Compare mortgage rates here.

Does Christiana Bank & Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Christiana Bank & Trust Company offer personal loans?

Compare personal loan rates here.

Does Christiana Bank & Trust Company offer student loans?

Will Christiana Bank & Trust Company cash a check?

Will Christiana Bank & Trust Company redeem a savings bond?

Does Christiana Bank & Trust Company cash savings bonds?

Will Christiana Bank & Trust Company cash money orders?

Can Christiana Bank & Trust Company issue a money order?

Does Christiana Bank & Trust Company do currency exchange?

Background on The Bank

Who owns Christiana Bank & Trust Company?

How long has Christiana Bank & Trust Company been around?

Can Christiana Bank & Trust Company transfer to other banks?

Does Christiana Bank & Trust Company have quick pay?

Does Christiana Bank & Trust Company accept rolled coins?

Will Christiana Bank & Trust Company accept loose change?

Where is Christiana Bank & Trust Company headquarters?

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