Commercial Bank & Trust Company of Troup County

Headquarters

200 North Greenwood Street
Lagrange, GA 30240
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

Commercial Bank & Trust Company of Troup County is an FDIC insured institution located in Lagrange, GA. It was founded in 1941 and has approximately $0.32 billion in assets.

FDIC Insured Yes
FDIC Certificate # 15848
Date Established 1941
Assets $ 315.36 million
Loans $ 231.68 million
Deposits $ 266.48 million
Capital $ 22.77 million
 

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

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Commercial Bank & Trust Company of Troup County

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

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2.815% 2.750% 0.88 $2,118 $1,021 Learn More
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Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Note to Commercial Bank & Trust Company of Troup County
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Branches

Commercial Bank & Trust Company of Troup County 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


Commercial Bank & Trust Company of Troup County Locations


Financial Details

Commercial Bank & Trust Company of Troup County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Commercial Bank & Trust Company of Troup County. 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
Commercial Bank & Trust Company of Troup County U.S. Bank Average
26.23% 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, Commercial Bank & Trust Company of Troup County had $7,634,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $22,765,000 in equity and $6,343,000 in loans loss reserves. That gives it a Texas Ratio of 26.23%.

Return on Equity
Commercial Bank & Trust Company of Troup County U.S. Bank Average
-5.58% 7.80%

Commercial Bank & Trust Company of Troup County has a Return on Equity of -5.58% 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
Commercial Bank & Trust Company of Troup County U.S. Bank Average
7.22% 12.68%

Commercial Bank & Trust Company of Troup County has a Capitalization of 7.22% 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.

Commercial Bank & Trust Company of Troup County Balance Sheet Analysis

As of November 30, -0001, Commercial Bank & Trust Company of Troup County had assets of $321,908,000, loans of $231,682,000, and deposits of $266,476,000. 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 $ 231.68 million
Loan loss allowance $ 6.34 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 $ 266.48 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 $ 315.36 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 Commercial Bank & Trust Company of Troup County’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Commercial Bank & Trust Company of Troup County’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 Commercial Bank & Trust Company Of Troup County

Branches and Savings

Is Commercial Bank & Trust Company Of Troup County FDIC insured?

Yes. It is covered under FDIC Certificate #15848.

Why does Commercial Bank & Trust Company Of Troup County pay such low interest on savings accounts?

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

Why are Commercial Bank & Trust Company Of Troup County CD rates not competitive?

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

Is Commercial Bank & Trust Company Of Troup County a commercial bank?

Yes

Where are Commercial Bank & Trust Company Of Troup County locations?

See branch locations nearby.

Is Commercial Bank & Trust Company Of Troup County open on Saturdays?

Is Commercial Bank & Trust Company Of Troup County open on Sundays?

What time does Commercial Bank & Trust Company Of Troup County open?

What time does Commercial Bank & Trust Company Of Troup County close?

Are Commercial Bank & Trust Company Of Troup County ATMs Open 24/7?

Do Commercial Bank & Trust Company Of Troup County ATMs accept cash deposits?

Can Commercial Bank & Trust Company Of Troup County customers use other ATMs?

Do Commercial Bank & Trust Company Of Troup County branches have notaries?

Will Commercial Bank & Trust Company Of Troup County notarize my document?

What address for Commercial Bank & Trust Company Of Troup County should I put for incoming ACH transfers?

Will the Commercial Bank & Trust Company Of Troup County branch print checks?

Do Commercial Bank & Trust Company Of Troup County checks expire?

Does Commercial Bank & Trust Company Of Troup County require US citizenship to open account?

Can Commercial Bank & Trust Company Of Troup County close my account?

Does Commercial Bank & Trust Company Of Troup County Report to credit bureaus?

Does Commercial Bank & Trust Company Of Troup County Use Equifax?

What is Commercial Bank & Trust Company Of Troup County's ACH Routing Number?

What is Commercial Bank & Trust Company Of Troup County's SWIFT code?

Products

Does Commercial Bank & Trust Company Of Troup County offer mortgages?

Compare mortgage rates here.

Does Commercial Bank & Trust Company Of Troup County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Commercial Bank & Trust Company Of Troup County offer personal loans?

Compare personal loan rates here.

Does Commercial Bank & Trust Company Of Troup County offer student loans?

Will Commercial Bank & Trust Company Of Troup County cash a check?

Will Commercial Bank & Trust Company Of Troup County redeem a savings bond?

Does Commercial Bank & Trust Company Of Troup County cash savings bonds?

Will Commercial Bank & Trust Company Of Troup County cash money orders?

Can Commercial Bank & Trust Company Of Troup County issue a money order?

Does Commercial Bank & Trust Company Of Troup County do currency exchange?

Background on The Bank

Who owns Commercial Bank & Trust Company Of Troup County?

How long has Commercial Bank & Trust Company Of Troup County been around?

Can Commercial Bank & Trust Company Of Troup County transfer to other banks?

Does Commercial Bank & Trust Company Of Troup County have quick pay?

Does Commercial Bank & Trust Company Of Troup County accept rolled coins?

Will Commercial Bank & Trust Company Of Troup County accept loose change?

Where is Commercial Bank & Trust Company Of Troup County headquarters?

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