Clayton Bank and Trust

Headquarters

520 W. Summit Hill Drive, Suite 801
Knoxville, TN 37902
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
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

Clayton Bank and Trust is an FDIC insured institution located in Knoxville, TN. It was founded in 1889 and has approximately $0.88 billion in assets.

FDIC Insured Yes
FDIC Certificate # 6104
Date Established 1889
Assets $ 885.42 million
Loans $ 773.54 million
Deposits $ 655.59 million
Capital $ 164.09 million
 

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

Deposit Rates - October 31, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Clayton Bank and Trust

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




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.558% 2.500% 0.75 $1,908 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia 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 Clayton Bank and Trust
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Branches

Clayton Bank and Trust 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


Clayton Bank and Trust Locations


Financial Details

Clayton Bank and Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Clayton Bank and Trust. 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
Clayton Bank and Trust U.S. Bank Average
6.54% 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, Clayton Bank and Trust had $10,216,000 in non-current loans and $1,660,000 in owned real estate. To cover these potential losses it had $164,094,000 in equity and $17,505,000 in loans loss reserves. That gives it a Texas Ratio of 6.54%.

Return on Equity
Clayton Bank and Trust U.S. Bank Average
21.39% 7.80%

Clayton Bank and Trust has a Return on Equity of 21.39% 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
Clayton Bank and Trust U.S. Bank Average
18.53% 12.68%

Clayton Bank and Trust has a Capitalization of 18.53% 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.

Clayton Bank and Trust Balance Sheet Analysis

As of June 30, 2017, Clayton Bank and Trust had assets of $880,017,000, loans of $773,537,000, and deposits of $655,594,000. 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 $ 773.54 million
Loan loss allowance $ 17.51 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.66 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 655.59 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 $ 885.42 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 Clayton Bank and Trust’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Tennessee, Clayton Bank and Trust has a significantly higher percent of 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 11.22
Multifamily
Mortgages
3.07
Credit Card Loans 0.00
Consumer Auto Loans 2.74
Small Business Loans 4.76
Construction and Development Loans 8.30
Commercial Real Estate 37.96
Commercial and Industrial Loans 25.50
Farm Loans 0.14

Frequently Asked Questions About Clayton Bank And Trust

Branches and Savings

Is Clayton Bank And Trust FDIC insured?

Yes. It is covered under FDIC Certificate #6104.

Why does Clayton Bank And Trust pay such low interest on savings accounts?

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

Why are Clayton Bank And Trust CD rates not competitive?

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

Is Clayton Bank And Trust a commercial bank?

Yes

Where are Clayton Bank And Trust locations?

See branch locations nearby.

Is Clayton Bank And Trust open on Saturdays?

Is Clayton Bank And Trust open on Sundays?

What time does Clayton Bank And Trust open?

What time does Clayton Bank And Trust close?

Are Clayton Bank And Trust ATMs Open 24/7?

Do Clayton Bank And Trust ATMs accept cash deposits?

Can Clayton Bank And Trust customers use other ATMs?

Do Clayton Bank And Trust branches have notaries?

Will Clayton Bank And Trust notarize my document?

What address for Clayton Bank And Trust should I put for incoming ACH transfers?

Will the Clayton Bank And Trust branch print checks?

Do Clayton Bank And Trust checks expire?

Does Clayton Bank And Trust require US citizenship to open account?

Can Clayton Bank And Trust close my account?

Does Clayton Bank And Trust Report to credit bureaus?

Does Clayton Bank And Trust Use Equifax?

What is Clayton Bank And Trust's ACH Routing Number?

What is Clayton Bank And Trust's SWIFT code?

Products

Does Clayton Bank And Trust offer mortgages?

Compare mortgage rates here.

Does Clayton Bank And Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Clayton Bank And Trust offer personal loans?

Compare personal loan rates here.

Does Clayton Bank And Trust offer student loans?

Will Clayton Bank And Trust cash a check?

Will Clayton Bank And Trust redeem a savings bond?

Does Clayton Bank And Trust cash savings bonds?

Will Clayton Bank And Trust cash money orders?

Can Clayton Bank And Trust issue a money order?

Does Clayton Bank And Trust do currency exchange?

Background on The Bank

Who owns Clayton Bank And Trust?

How long has Clayton Bank And Trust been around?

Can Clayton Bank And Trust transfer to other banks?

Does Clayton Bank And Trust have quick pay?

Does Clayton Bank And Trust accept rolled coins?

Will Clayton Bank And Trust accept loose change?

Where is Clayton Bank And Trust headquarters?

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