CNLBank

Headquarters

450 South Orange Avenue
Orlando, FL 32801
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
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

CNLBank is an FDIC insured institution located in Orlando, FL. It was founded in 1997 and has approximately $1.35 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34427
Date Established 1997
Assets $ 1,364.97 million
Loans $ 819.02 million
Deposits $ 1,118.77 million
Capital $ 122.70 million
 

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

Deposit Rates - September 22, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 22, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CNLBank

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
2.816% 2.750% 0.88 $2,132 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
3.500 %
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to CNLBank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

CNLBank 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


CNLBank Locations


Financial Details

CNLBank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CNLBank. 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
CNLBank U.S. Bank Average
6.76% 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, CNLBank had $6,909,000 in non-current loans and $2,319,000 in owned real estate. To cover these potential losses it had $122,699,000 in equity and $13,836,000 in loans loss reserves. That gives it a Texas Ratio of 6.76%.

Return on Equity
CNLBank U.S. Bank Average
7.6% 7.80%

CNLBank has a Return on Equity of 7.6% 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
CNLBank U.S. Bank Average
8.99% 12.68%

CNLBank has a Capitalization of 8.99% 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.

CNLBank Balance Sheet Analysis

As of March 31, 2015, CNLBank had assets of $1,347,253,000, loans of $819,016,000, and deposits of $1,118,766,000. 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 $ 819.02 million
Loan loss allowance $ 13.84 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.32 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 1,118.77 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 $ 1,364.97 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 CNLBank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Florida, CNLBank has a significantly higher percent of Small Business Loans, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.75
Multifamily
Mortgages
4.76
Credit Card Loans 0.00
Consumer Auto Loans 0.08
Small Business Loans 10.26
Construction and Development Loans 12.76
Commercial Real Estate 50.23
Commercial and Industrial Loans 15.71
Farm Loans 0.00

Frequently Asked Questions About Cnlbank

Branches and Savings

Is Cnlbank FDIC insured?

Yes. It is covered under FDIC Certificate #34427.

Why does Cnlbank pay such low interest on savings accounts?

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

Why are Cnlbank CD rates not competitive?

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

Is Cnlbank a commercial bank?

Yes

Where are Cnlbank locations?

See branch locations nearby.

Is Cnlbank open on Saturdays?

Is Cnlbank open on Sundays?

What time does Cnlbank open?

What time does Cnlbank close?

Are Cnlbank ATMs Open 24/7?

Do Cnlbank ATMs accept cash deposits?

Can Cnlbank customers use other ATMs?

Do Cnlbank branches have notaries?

Will Cnlbank notarize my document?

What address for Cnlbank should I put for incoming ACH transfers?

Will the Cnlbank branch print checks?

Do Cnlbank checks expire?

Does Cnlbank require US citizenship to open account?

Can Cnlbank close my account?

Does Cnlbank Report to credit bureaus?

Does Cnlbank Use Equifax?

What is Cnlbank's ACH Routing Number?

What is Cnlbank's SWIFT code?

Products

Does Cnlbank offer mortgages?

Compare mortgage rates here.

Does Cnlbank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cnlbank offer personal loans?

Compare personal loan rates here.

Does Cnlbank offer student loans?

Will Cnlbank cash a check?

Will Cnlbank redeem a savings bond?

Does Cnlbank cash savings bonds?

Will Cnlbank cash money orders?

Can Cnlbank issue a money order?

Does Cnlbank do currency exchange?

Background on The Bank

Who owns Cnlbank?

How long has Cnlbank been around?

Can Cnlbank transfer to other banks?

Does Cnlbank have quick pay?

Does Cnlbank accept rolled coins?

Will Cnlbank accept loose change?

Where is Cnlbank headquarters?

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