Civic Bank & Trust


3325 West End Avenue
Nashville, TN 37203
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Civic Bank & Trust is an FDIC insured institution located in Nashville, TN. It was founded in 2005 and has approximately $0.16 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 58040
Date Established 2005
Assets $ 167.15 million
Loans $ 95.46 million
Deposits $ 123.12 million
Capital $ 23.50 million

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

Deposit Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Civic Bank & Trust

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 2021

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Quicken Loans NMLS #3030
NMLS ID: 3030
3.368% 3.250%
1.00 points
$3,750 fees
$1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
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Intro APR 1.790 %
After Intro: 4.840 %
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
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Note to Civic Bank & Trust
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Financial Details

Civic Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Civic Bank & Trust. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Civic Bank & Trust U.S. Bank Average
0% 5.29%

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, 2021, Civic Bank & Trust had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $23,504,000 in equity and $1,442,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Civic Bank & Trust U.S. Bank Average
13.28% 11.43%

Civic Bank & Trust has a Return on Equity of 13.28% versus the BestCashCow average of 11.43%. 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.

Civic Bank & Trust U.S. Bank Average
14.06% 11.51%

Civic Bank & Trust has a Capitalization of 14.06% versus the BestCashCow average of 11.51. 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.

Civic Bank & Trust Balance Sheet Analysis

As of March 31, 2018, Civic Bank & Trust had assets of $159,720,000, loans of $95,461,000, and deposits of $123,117,000. 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, 2021
Cash & Balances due from depository institutions $ 11.38 million
Interest-bearing balances $ 1.22 million
Total securities $ 31.73 million
Federal funds sold and reverse repurchase $ 13.78 million
Net loans and leases $ 95.46 million
Loan loss allowance $ 1.44 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 $ 7.12 million
     Total Assets $ 136.22 million
Total deposits $ 123.12 million
      Interest-bearing deposits $ 115.48 million
      Deposits held in domestic offices $ 123.12 million
      % insured (estimated) 78.74%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 11.50 million
Subordinated debt N.A.
All other liabilities $ 1.60 million
      Total Liabilities $ 136.22 million
      Shareholders’ Equity $ 30.93 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 1.85 million
Total Interest Expense $ 0.43 million
Net interest income $ 1.42 million
Provision for loan and lease losses $ 0.05 million
Total non interest income $ 0.03 million
Total non interest expense $ 1.57 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Civic Bank & Trust’s loan portfolio are Construction and Development Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Tennessee, Civic Bank & Trust has a significantly higher percent of Construction and Development 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.17
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 0.00
Construction and Development Loans 42.63
Commercial Real Estate 16.70
Commercial and Industrial Loans 12.64
Farm Loans 0.00

Frequently Asked Questions About Civic Bank & Trust

Branches and Savings

Is Civic Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #58040.

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

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

Why are Civic Bank & Trust CD rates not competitive?

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

Is Civic Bank & Trust a commercial bank?


Where are Civic Bank & Trust locations?

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Is Civic Bank & Trust open on Saturdays?

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Are Civic Bank & Trust ATMs Open 24/7?

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Will Civic Bank & Trust notarize my document?

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Does Civic Bank & Trust offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Civic Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Civic Bank & Trust offer student loans?

Will Civic Bank & Trust cash a check?

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Background on The Bank

Who owns Civic Bank & Trust?

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Will Civic Bank & Trust accept loose change?

Where is Civic Bank & Trust headquarters?

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