Community Bank CBD

Headquarters

820 East Geneva Street
Delavan, WI 53115
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

Community Bank CBD is an FDIC insured institution located in Delavan, WI. It was founded in 1996 and has approximately $0.21 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34220
Date Established 1996
Assets $ 208.03 million
Loans $ 140.30 million
Deposits $ 166.84 million
Capital $ 27.31 million
 

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

Deposit Rates - September 25, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 25, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Community Bank CBD

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
2.815% 2.750% 0.88 $2,122 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 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
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
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Note to Community Bank CBD
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Branches

Community Bank CBD 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


Community Bank CBD Locations


Financial Details

Community Bank CBD Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Bank CBD. 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 CBD U.S. Bank Average
6.89% 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 CBD had $1,590,000 in non-current loans and $447,000 in owned real estate. To cover these potential losses it had $27,308,000 in equity and $2,267,000 in loans loss reserves. That gives it a Texas Ratio of 6.89%.

Return on Equity
Community Bank CBD U.S. Bank Average
5.95% 7.80%

Community Bank CBD has a Return on Equity of 5.95% 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 CBD U.S. Bank Average
13.13% 12.68%

Community Bank CBD has a Capitalization of 13.13% 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 CBD Balance Sheet Analysis

As of September 30, 2014, Community Bank CBD had assets of $207,482,000, loans of $140,295,000, and deposits of $166,844,000. 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 $ 140.30 million
Loan loss allowance $ 2.27 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.45 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 166.84 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 $ 208.03 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 Community Bank CBD’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Wisconsin, Community Bank CBD has a significantly higher percent of Small Business 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 34.69
Multifamily
Mortgages
5.12
Credit Card Loans 0.26
Consumer Auto Loans 0.11
Small Business Loans 20.97
Construction and Development Loans 5.23
Commercial Real Estate 27.96
Commercial and Industrial Loans 10.85
Farm Loans 4.57

Frequently Asked Questions About Community Bank Cbd

Branches and Savings

Is Community Bank Cbd FDIC insured?

Yes. It is covered under FDIC Certificate #34220.

Why does Community Bank Cbd 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 Cbd CD rates not competitive?

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

Is Community Bank Cbd a commercial bank?

Yes

Where are Community Bank Cbd locations?

See branch locations nearby.

Is Community Bank Cbd open on Saturdays?

Is Community Bank Cbd open on Sundays?

What time does Community Bank Cbd open?

What time does Community Bank Cbd close?

Are Community Bank Cbd ATMs Open 24/7?

Do Community Bank Cbd ATMs accept cash deposits?

Can Community Bank Cbd customers use other ATMs?

Do Community Bank Cbd branches have notaries?

Will Community Bank Cbd notarize my document?

What address for Community Bank Cbd should I put for incoming ACH transfers?

Will the Community Bank Cbd branch print checks?

Do Community Bank Cbd checks expire?

Does Community Bank Cbd require US citizenship to open account?

Can Community Bank Cbd close my account?

Does Community Bank Cbd Report to credit bureaus?

Does Community Bank Cbd Use Equifax?

What is Community Bank Cbd's ACH Routing Number?

What is Community Bank Cbd's SWIFT code?

Products

Does Community Bank Cbd offer mortgages?

Compare mortgage rates here.

Does Community Bank Cbd offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Bank Cbd offer personal loans?

Compare personal loan rates here.

Does Community Bank Cbd offer student loans?

Will Community Bank Cbd cash a check?

Will Community Bank Cbd redeem a savings bond?

Does Community Bank Cbd cash savings bonds?

Will Community Bank Cbd cash money orders?

Can Community Bank Cbd issue a money order?

Does Community Bank Cbd do currency exchange?

Background on The Bank

Who owns Community Bank Cbd?

How long has Community Bank Cbd been around?

Can Community Bank Cbd transfer to other banks?

Does Community Bank Cbd have quick pay?

Does Community Bank Cbd accept rolled coins?

Will Community Bank Cbd accept loose change?

Where is Community Bank Cbd headquarters?

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