Commercial Capital Bank

Headquarters

311 Broadway
Delhi, LA 71232
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.75% 0.91% →
1-Year CD 0.75% 0.85% →
2-Year CD 1.00% 0.95% →
5-Year CD 1.26% 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Commercial Capital Bank is an FDIC insured institution located in Delhi, LA. It was founded in 1999 and has approximately $0.17 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 34784
Date Established 1999
Assets $ 173.98 million
Loans $ 107.61 million
Deposits $ 154.96 million
Capital $ 18.39 million
 

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

Deposit Rates - December 5, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.75% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.90% $10,000 $14,999 Learn More
18 Mo CD
0.90% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.06% $10,000 $14,999 Learn More
36 Mo CD
1.06% $100,000 $199,999 Learn More
48 Mo CD
1.16% $10,000 $14,999 Learn More
48 Mo CD
1.16% $100,000 $199,999 Learn More
60 Mo CD
1.26% $10,000 $14,999 Learn More
60 Mo CD
1.26% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.00% $1 $999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - December 5, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Commercial Capital Bank

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

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.558% 2.500% 0.75 $1,905 $988 Learn More

Featured - Connecticut 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 Commercial Capital Bank
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Branches

Commercial Capital Bank 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 Capital Bank Locations


Financial Details

Commercial Capital Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Commercial Capital Bank. 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 Capital Bank U.S. Bank Average
27.71% 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 Capital Bank had $5,425,000 in non-current loans and $101,000 in owned real estate. To cover these potential losses it had $18,390,000 in equity and $1,554,000 in loans loss reserves. That gives it a Texas Ratio of 27.71%.

Return on Equity
Commercial Capital Bank U.S. Bank Average
11.63% 7.80%

Commercial Capital Bank has a Return on Equity of 11.63% 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 Capital Bank U.S. Bank Average
10.57% 12.68%

Commercial Capital Bank has a Capitalization of 10.57% 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 Capital Bank Balance Sheet Analysis

As of March 31, 2020, Commercial Capital Bank had assets of $173,981,000, loans of $107,605,000, and deposits of $154,958,000. 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 $ 49.38 million
Interest-bearing balances $ 44.81 million
Total securities $ 8.68 million
Federal funds sold and reverse repurchase $ 0.50 million
Net loans and leases $ 107.61 million
Loan loss allowance $ 1.55 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.10 million
Goodwill and other intangibles N.A.
All other assets $ 3.73 million
     Total Assets $ 155.59 million
LIABILITIES
Total deposits $ 154.96 million
      Interest-bearing deposits $ 136.21 million
      Deposits held in domestic offices $ 154.96 million
      % insured (estimated) 61.37%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.63 million
      Total Liabilities $ 155.59 million
      Shareholders’ Equity $ 18.39 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.27 million
Total Interest Expense $ 0.69 million
Net interest income $ 1.58 million
Provision for loan and lease losses $ 0.09 million
Total non interest income $ 0.24 million
Total non interest expense $ 1.18 million
Pre-tax Net Operating Income $ 0.56 million

Bank Loan Profile?

The top three loan types in Commercial Capital Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial Real Estate.

Compared to other banks in Louisiana, Commercial Capital Bank has a significantly higher percent of Farm 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 25.71
Multifamily
Mortgages
1.64
Credit Card Loans 0.00
Consumer Auto Loans 0.91
Small Business Loans 0.00
Construction and Development Loans 4.93
Commercial Real Estate 17.64
Commercial and Industrial Loans 8.87
Farm Loans 22.06

Frequently Asked Questions About Commercial Capital Bank

Branches and Savings

Is Commercial Capital Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34784.

Why does Commercial Capital Bank pay such low interest on savings accounts?

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

Why are Commercial Capital Bank CD rates not competitive?

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

Is Commercial Capital Bank a commercial bank?

Yes

Where are Commercial Capital Bank locations?

See branch locations nearby.

Is Commercial Capital Bank open on Saturdays?

Is Commercial Capital Bank open on Sundays?

What time does Commercial Capital Bank open?

What time does Commercial Capital Bank close?

Are Commercial Capital Bank ATMs Open 24/7?

Do Commercial Capital Bank ATMs accept cash deposits?

Can Commercial Capital Bank customers use other ATMs?

Do Commercial Capital Bank branches have notaries?

Will Commercial Capital Bank notarize my document?

What address for Commercial Capital Bank should I put for incoming ACH transfers?

Will the Commercial Capital Bank branch print checks?

Do Commercial Capital Bank checks expire?

Does Commercial Capital Bank require US citizenship to open account?

Can Commercial Capital Bank close my account?

Does Commercial Capital Bank Report to credit bureaus?

Does Commercial Capital Bank Use Equifax?

What is Commercial Capital Bank's ACH Routing Number?

What is Commercial Capital Bank's SWIFT code?

Products

Does Commercial Capital Bank offer mortgages?

Compare mortgage rates here.

Does Commercial Capital Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Commercial Capital Bank offer personal loans?

Compare personal loan rates here.

Does Commercial Capital Bank offer student loans?

Will Commercial Capital Bank cash a check?

Will Commercial Capital Bank redeem a savings bond?

Does Commercial Capital Bank cash savings bonds?

Will Commercial Capital Bank cash money orders?

Can Commercial Capital Bank issue a money order?

Does Commercial Capital Bank do currency exchange?

Background on The Bank

Who owns Commercial Capital Bank?

How long has Commercial Capital Bank been around?

Can Commercial Capital Bank transfer to other banks?

Does Commercial Capital Bank have quick pay?

Does Commercial Capital Bank accept rolled coins?

Will Commercial Capital Bank accept loose change?

Where is Commercial Capital Bank headquarters?

Customer Reviews for Commercial Capital Bank


  • April 29, 2019 |

    I called to ask about an auto loan that I only have one payment left on and was told that a loan officer would call me back. When she called me back, I asked 2 questions and was treaded like a criminal. She came off rude and condescending. I am truly disappointed in how I was treated after I have essentially paid off my truck with the bank.

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