Community Bank and Trust - Alabama

Headquarters

202 North Powell Street
Union Springs, AL 36089
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.91% →
1-Year CD 0.25% 0.85% →
2-Year CD 0.35% 0.95% →
5-Year CD N.A. 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

Community Bank and Trust - Alabama is an FDIC insured institution located in Union Springs, AL. It was founded in 1990 and has approximately $0.05 billion in assets.

FDIC Insured Yes
FDIC Certificate # 32968
Date Established 1990
Assets $ 48.65 million
Loans $ 17.03 million
Deposits $ 44.32 million
Capital $ 4.26 million
 

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

Deposit Rates - November 25, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $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
0.15% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
24 Mo CD
0.35% $10,000 $14,999 Learn More
24 Mo CD
0.35% $100,000 $199,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More
48 Mo CD
0.50% $10,000 $14,999 Learn More
48 Mo CD
0.50% $100,000 $199,999 Learn More

 

Loan Rates - November 25, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Community Bank and Trust - Alabama

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
New American Funding
NMLS ID: 6606
2.604% 2.500% 0.75 $3,434 $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 Community Bank and Trust - Alabama
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Community Bank and Trust - Alabama 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


Community Bank and Trust - Alabama Locations


Financial Details

Community Bank and Trust - Alabama Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Bank and Trust - Alabama. 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
Community Bank and Trust - Alabama U.S. Bank Average
26.26% 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, Community Bank and Trust - Alabama had $887,000 in non-current loans and $460,000 in owned real estate. To cover these potential losses it had $4,262,000 in equity and $867,000 in loans loss reserves. That gives it a Texas Ratio of 26.26%.

Return on Equity
Community Bank and Trust - Alabama U.S. Bank Average
-11.93% 7.80%

Community Bank and Trust - Alabama has a Return on Equity of -11.93% 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
Community Bank and Trust - Alabama U.S. Bank Average
8.76% 12.68%

Community Bank and Trust - Alabama has a Capitalization of 8.76% 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.

Community Bank and Trust - Alabama Balance Sheet Analysis

As of March 31, 2020, Community Bank and Trust - Alabama had assets of $48,650,000, loans of $17,027,000, and deposits of $44,321,000. 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 $ 10.18 million
Interest-bearing balances $ 8.49 million
Total securities $ 20.11 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 17.03 million
Loan loss allowance $ 0.87 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.46 million
Goodwill and other intangibles N.A.
All other assets $ 0.55 million
     Total Assets $ 44.39 million
LIABILITIES
Total deposits $ 44.32 million
      Interest-bearing deposits $ 38.36 million
      Deposits held in domestic offices $ 44.32 million
      % insured (estimated) 83.61%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.07 million
      Total Liabilities $ 44.39 million
      Shareholders’ Equity $ 4.26 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.44 million
Total Interest Expense $ 0.06 million
Net interest income $ 0.38 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.05 million
Total non interest expense $ 0.55 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Community Bank and Trust - Alabama’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Alabama, Community Bank and Trust - Alabama has a significantly higher percent of 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 34.64
Multifamily
Mortgages
1.42
Credit Card Loans 0.00
Consumer Auto Loans 7.91
Small Business Loans 0.00
Construction and Development Loans 6.33
Commercial Real Estate 25.54
Commercial and Industrial Loans 22.61
Farm Loans 0.00

Frequently Asked Questions About Community Bank And Trust - Alabama

Branches and Savings

Is Community Bank And Trust - Alabama FDIC insured?

Yes. It is covered under FDIC Certificate #32968.

Why does Community Bank And Trust - Alabama pay such low interest on savings accounts?

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

Why are Community Bank And Trust - Alabama CD rates not competitive?

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

Is Community Bank And Trust - Alabama a commercial bank?

Yes

Where are Community Bank And Trust - Alabama locations?

See branch locations nearby.

Is Community Bank And Trust - Alabama open on Saturdays?

Is Community Bank And Trust - Alabama open on Sundays?

What time does Community Bank And Trust - Alabama open?

What time does Community Bank And Trust - Alabama close?

Are Community Bank And Trust - Alabama ATMs Open 24/7?

Do Community Bank And Trust - Alabama ATMs accept cash deposits?

Can Community Bank And Trust - Alabama customers use other ATMs?

Do Community Bank And Trust - Alabama branches have notaries?

Will Community Bank And Trust - Alabama notarize my document?

What address for Community Bank And Trust - Alabama should I put for incoming ACH transfers?

Will the Community Bank And Trust - Alabama branch print checks?

Do Community Bank And Trust - Alabama checks expire?

Does Community Bank And Trust - Alabama require US citizenship to open account?

Can Community Bank And Trust - Alabama close my account?

Does Community Bank And Trust - Alabama Report to credit bureaus?

Does Community Bank And Trust - Alabama Use Equifax?

What is Community Bank And Trust - Alabama's ACH Routing Number?

What is Community Bank And Trust - Alabama's SWIFT code?

Products

Does Community Bank And Trust - Alabama offer mortgages?

Compare mortgage rates here.

Does Community Bank And Trust - Alabama offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Bank And Trust - Alabama offer personal loans?

Compare personal loan rates here.

Does Community Bank And Trust - Alabama offer student loans?

Will Community Bank And Trust - Alabama cash a check?

Will Community Bank And Trust - Alabama redeem a savings bond?

Does Community Bank And Trust - Alabama cash savings bonds?

Will Community Bank And Trust - Alabama cash money orders?

Can Community Bank And Trust - Alabama issue a money order?

Does Community Bank And Trust - Alabama do currency exchange?

Background on The Bank

Who owns Community Bank And Trust - Alabama?

How long has Community Bank And Trust - Alabama been around?

Can Community Bank And Trust - Alabama transfer to other banks?

Does Community Bank And Trust - Alabama have quick pay?

Does Community Bank And Trust - Alabama accept rolled coins?

Will Community Bank And Trust - Alabama accept loose change?

Where is Community Bank And Trust - Alabama headquarters?

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