CIBC National Trust Company

Headquarters

3290 Northside Parkway
Atlanta, GA 30327
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

CIBC National Trust Company is an FDIC insured institution located in Atlanta, GA. It was founded in 1969 and has approximately $0.27 billion in assets. Customers can open an account at one of its 14 branches.

FDIC Insured Yes
FDIC Certificate # 91325
Date Established 1969
Assets $ 267.77 million
Loans N.A.
Deposits $ 0.51 million
Capital $ 175.65 million
 

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

Deposit Rates - October 28, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CIBC National Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




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Featured - Virginia Home Equity Line Of Credit Rates 2020

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2.240 %
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Bethpage Federal Credit Union
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2.990 %
After Intro: 3.500 %
Intro Period: 12 months
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Note to CIBC National Trust Company
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Branches

CIBC National 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:
Ashburn,Virginia


CIBC National Trust Company Locations


Financial Details

CIBC National Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CIBC National 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
CIBC National Trust Company U.S. Bank Average
0% 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, CIBC National Trust Company had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $175,653,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
CIBC National Trust Company U.S. Bank Average
11.49% 7.80%

CIBC National Trust Company has a Return on Equity of 11.49% 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
CIBC National Trust Company U.S. Bank Average
65.6% 12.68%

CIBC National Trust Company has a Capitalization of 65.6% 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.

CIBC National Trust Company Balance Sheet Analysis

As of March 31, 2020, CIBC National Trust Company had assets of $267,770,000, loans of $0, and deposits of $509,000. 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 $ 102.98 million
Interest-bearing balances $ 49.53 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases N.A.
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 118.51 million
All other assets $ 46.22 million
     Total Assets $ 92.12 million
LIABILITIES
Total deposits $ 0.51 million
      Interest-bearing deposits $ 0.51 million
      Deposits held in domestic offices $ 0.51 million
      % insured (estimated) 49.12%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 91.61 million
      Total Liabilities $ 92.12 million
      Shareholders’ Equity $ 175.65 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.19 million
Total Interest Expense $ 0.00 million
Net interest income $ 0.19 million
Provision for loan and lease losses N.A.
Total non interest income $ 24.30 million
Total non interest expense $ 16.99 million
Pre-tax Net Operating Income $ 7.50 million

Bank Loan Profile?

The top three loan types in CIBC National Trust Company’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, CIBC National 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 nan
Multifamily
Mortgages
nan
Credit Card Loans nan
Consumer Auto Loans nan
Small Business Loans nan
Construction and Development Loans nan
Commercial Real Estate nan
Commercial and Industrial Loans nan
Farm Loans nan

Frequently Asked Questions About Cibc National Trust Company

Branches and Savings

Is Cibc National Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #91325.

Why does Cibc National 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 Cibc National Trust Company CD rates not competitive?

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

Is Cibc National Trust Company a commercial bank?

Yes

Where are Cibc National Trust Company locations?

See branch locations nearby.

Is Cibc National Trust Company open on Saturdays?

Is Cibc National Trust Company open on Sundays?

What time does Cibc National Trust Company open?

What time does Cibc National Trust Company close?

Are Cibc National Trust Company ATMs Open 24/7?

Do Cibc National Trust Company ATMs accept cash deposits?

Can Cibc National Trust Company customers use other ATMs?

Do Cibc National Trust Company branches have notaries?

Will Cibc National Trust Company notarize my document?

What address for Cibc National Trust Company should I put for incoming ACH transfers?

Will the Cibc National Trust Company branch print checks?

Do Cibc National Trust Company checks expire?

Does Cibc National Trust Company require US citizenship to open account?

Can Cibc National Trust Company close my account?

Does Cibc National Trust Company Report to credit bureaus?

Does Cibc National Trust Company Use Equifax?

What is Cibc National Trust Company's ACH Routing Number?

What is Cibc National Trust Company's SWIFT code?

Products

Does Cibc National Trust Company offer mortgages?

Compare mortgage rates here.

Does Cibc National Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cibc National Trust Company offer personal loans?

Compare personal loan rates here.

Does Cibc National Trust Company offer student loans?

Will Cibc National Trust Company cash a check?

Will Cibc National Trust Company redeem a savings bond?

Does Cibc National Trust Company cash savings bonds?

Will Cibc National Trust Company cash money orders?

Can Cibc National Trust Company issue a money order?

Does Cibc National Trust Company do currency exchange?

Background on The Bank

Who owns Cibc National Trust Company?

How long has Cibc National Trust Company been around?

Can Cibc National Trust Company transfer to other banks?

Does Cibc National Trust Company have quick pay?

Does Cibc National Trust Company accept rolled coins?

Will Cibc National Trust Company accept loose change?

Where is Cibc National Trust Company headquarters?

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