Commercial Trust Company of Fayette

Headquarters

119 North Main Street
Fayette, MO 65248
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.95% →
1-Year CD 0.65% 1.01% →
2-Year CD 1.05% 0.95% →
5-Year CD 1.41% 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 Trust Company of Fayette is an FDIC insured institution located in Fayette, MO. It was founded in 1903 and has approximately $0.13 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 9791
Date Established 1903
Assets $ 132.36 million
Loans $ 94.41 million
Deposits $ 114.04 million
Capital $ 13.22 million
 

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.

Deposit Rates - October 25, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.40% $100,000 $199,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.90% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
1.05% $100,000 $199,999 Learn More
30 Mo CD
0.90% $10,000 $14,999 Learn More
30 Mo CD
1.05% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.15% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.30% $100,000 $199,999 Learn More
60 Mo CD
1.26% $10,000 $14,999 Learn More
60 Mo CD
1.41% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 25, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.567% 2.500% 0.88 $2,216 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 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 Commercial Trust Company of Fayette
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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:
Ashburn,Virginia


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
2.05% 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 Trust Company of Fayette had $246,000 in non-current loans and $35,000 in owned real estate. To cover these potential losses it had $13,219,000 in equity and $473,000 in loans loss reserves. That gives it a Texas Ratio of 2.05%.

Return on Equity
Commercial Trust Company of Fayette U.S. Bank Average
11.44% 7.80%

Commercial Trust Company of Fayette has a Return on Equity of 11.44% 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 Trust Company of Fayette U.S. Bank Average
9.99% 12.68%

Commercial Trust Company of Fayette has a Capitalization of 9.99% 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.

Commercial Trust Company of Fayette Balance Sheet Analysis

As of March 31, 2020, Commercial Trust Company of Fayette had assets of $132,364,000, loans of $94,409,000, and deposits of $114,035,000. 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 $ 25.72 million
Interest-bearing balances $ 21.84 million
Total securities $ 9.57 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 94.41 million
Loan loss allowance $ 0.47 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.04 million
Goodwill and other intangibles $ 0.23 million
All other assets $ 1.50 million
     Total Assets $ 119.15 million
LIABILITIES
Total deposits $ 114.04 million
      Interest-bearing deposits $ 96.05 million
      Deposits held in domestic offices $ 114.04 million
      % insured (estimated) 64.98%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 5.00 million
Subordinated debt N.A.
All other liabilities $ 0.11 million
      Total Liabilities $ 119.15 million
      Shareholders’ Equity $ 13.22 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.30 million
Total Interest Expense $ 0.25 million
Net interest income $ 1.04 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.21 million
Total non interest expense $ 0.86 million
Pre-tax Net Operating Income $ 0.38 million

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 Construction and Development Loans.

Compared to other banks in Missouri, Commercial Trust Company of Fayette has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto 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 61.79
Multifamily
Mortgages
0.36
Credit Card Loans 0.29
Consumer Auto Loans 5.84
Small Business Loans 0.00
Construction and Development Loans 6.10
Commercial Real Estate 4.08
Commercial and Industrial Loans 3.58
Farm Loans 6.43

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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