Commercial Trust Company of Fayette

119 North Main Street
Fayette, MO 65248

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9791
Date Established 1903
Assets $0.12 billion
Loans $0.09 billion
Deposits $0.10 billion
Capital $0.01 billion

Commercial Trust Company of Fayette is an FDIC insured institution located in Fayette, MO. It was founded in 1903 and has approximately $0.12 billion in assets. Customers can open an account at one of its 2 branches.

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

Bank Loan Profile?

The top three loan types in Commercial Trust Company of Fayette’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Consumer Auto Loans.

Compared to other banks in Missouri, Commercial Trust Company of Fayette has a significantly higher percent of 1-4 Family Residential 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 65.35
Multifamily
Mortgages
0.41
Credit Card Loans 0.34
Consumer Auto Loans 5.72
Small Business Loans 3.92
Construction and Development Loans 3.52
Commercial Real Estate 3.92
Commercial and Industrial Loans 2.40
Farm Loans 7.24

Deposit Rates - April 22, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1 $9,999 Learn MoreShow Less
Money Market
0.30% $10,000 $24,999 Learn MoreShow Less
Money Market
0.50% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.30% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.45% $100,000 - Learn MoreShow Less
1.00% $500 $99,999 Learn MoreShow Less
6 Mo CD
1.15% $100,000 - Learn MoreShow Less
1.26% $500 $99,999 Learn MoreShow Less
12 Mo CD
1.46% $100,000 - Learn MoreShow Less
Special: 13 Mo CD
2.27% $500 - Learn MoreShow Less
1.36% $500 $99,999 Learn MoreShow Less
18 Mo CD
1.51% $100,000 - Learn MoreShow Less
1.51% $500 $99,999 Learn MoreShow Less
24 Mo CD
1.66% $100,000 - Learn MoreShow Less
1.51% $500 $99,999 Learn MoreShow Less
36 Mo CD
1.76% $500 $99,999 Learn MoreShow Less
36 Mo CD
1.91% $100,000 - Learn MoreShow Less
2.53% $500 $99,999 Learn MoreShow Less
48 Mo CD
2.68% $100,000 - Learn MoreShow Less
60 Mo CD
2.78% $500 $99,999 Learn MoreShow Less
60 Mo CD
2.93% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
1.26% $500 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.76% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $100 - Learn MoreShow Less

Loan Rates - April 22, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Commercial Trust Company of Fayette

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: CL-2925. NMLSID#2925
4.034% 4.000% 0.38 $1,030 $1,194 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info

Note to Commercial Trust Company of Fayette
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Commercial Trust Company of Fayette 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:
Seattle,Washington


Commercial Trust Company of Fayette Locations


Financial Details

Commercial Trust Company of Fayette Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Commercial Trust Company of Fayette. 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 Trust Company of Fayette U.S. Bank Average
3.23% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 December 31, 2018, Commercial Trust Company of Fayette had $408,000 in non-current loans and $38,000 in owned real estate. To cover these potential losses it had $13,341,000 in equity and $478,000 in loans loss reserves. That gives it a Texas Ratio of 3.23%.

Return on Equity
Commercial Trust Company of Fayette U.S. Bank Average
13.07% 8.80%

Commercial Trust Company of Fayette has a Return on Equity of 13.07% versus the BestCashCow average of 8.80%. 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 Trust Company of Fayette U.S. Bank Average
11.02% 12.29%

Commercial Trust Company of Fayette has a Capitalization of 11.02% versus the BestCashCow average of 12.29. 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 Trust Company of Fayette Balance Sheet Analysis

As of December 31, 2018, Commercial Trust Company of Fayette had assets of $121,031,000, loans of $88,825,000, and deposits of $103,144,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.11 billion
LIABILITIES
Total deposits $0.10 billion
      Interest-bearing deposits $0.09 billion
      Deposits held in domestic offices $0.10 billion
      % insured (estimated) 68.75%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.11 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Commercial Trust Company Of Fayette

Branches and Savings

Is Commercial Trust Company Of Fayette FDIC insured?

Yes. It is covered under FDIC Certificate #9791.

Why does Commercial Trust Company Of Fayette pay such low interest on savings accounts?

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

Why are Commercial Trust Company Of Fayette CD rates not competitive?

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

Is Commercial Trust Company Of Fayette a commercial bank?

Yes

Where are Commercial Trust Company Of Fayette locations?

See branch locations nearby.

Is Commercial Trust Company Of Fayette open on Saturdays?

Is Commercial Trust Company Of Fayette open on Sundays?

What time does Commercial Trust Company Of Fayette open?

What time does Commercial Trust Company Of Fayette close?

Are Commercial Trust Company Of Fayette ATMs Open 24/7?

Do Commercial Trust Company Of Fayette ATMs accept cash deposits?

Can Commercial Trust Company Of Fayette customers use other ATMs?

Do Commercial Trust Company Of Fayette branches have notaries?

Will Commercial Trust Company Of Fayette notarize my document?

What address for Commercial Trust Company Of Fayette should I put for incoming ACH transfers?

Will the Commercial Trust Company Of Fayette branch print checks?

Do Commercial Trust Company Of Fayette checks expire?

Does Commercial Trust Company Of Fayette require US citizenship to open account?

Can Commercial Trust Company Of Fayette close my account?

Does Commercial Trust Company Of Fayette Report to credit bureaus?

Does Commercial Trust Company Of Fayette Use Equifax?

What is Commercial Trust Company Of Fayette's ACH Routing Number?

What is Commercial Trust Company Of Fayette's SWIFT code?

Products

Does Commercial Trust Company Of Fayette offer mortgages?

Compare mortgage rates here.

Does Commercial Trust Company Of Fayette offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Commercial Trust Company Of Fayette offer personal loans?

Compare personal loan rates here.

Does Commercial Trust Company Of Fayette offer student loans?

Will Commercial Trust Company Of Fayette cash a check?

Will Commercial Trust Company Of Fayette redeem a savings bond?

Does Commercial Trust Company Of Fayette cash savings bonds?

Will Commercial Trust Company Of Fayette cash money orders?

Can Commercial Trust Company Of Fayette issue a money order?

Does Commercial Trust Company Of Fayette do currency exchange?

Background on The Bank

Who owns Commercial Trust Company Of Fayette?

How long has Commercial Trust Company Of Fayette been around?

Can Commercial Trust Company Of Fayette transfer to other banks?

Does Commercial Trust Company Of Fayette have quick pay?

Does Commercial Trust Company Of Fayette accept rolled coins?

Will Commercial Trust Company Of Fayette accept loose change?

Where is Commercial Trust Company Of Fayette headquarters?

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