Community Bank of Trenton

Headquarters

104 East Broadway
Trenton, IL 62293
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.05% →
1-Year CD 0.25% 0.95% →
2-Year CD 0.35% 1.05% →
5-Year CD 1.00% 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 of Trenton is an FDIC insured institution located in Trenton, IL. It was founded in 1963 and has approximately $0.09 billion in assets.

FDIC Insured Yes
FDIC Certificate # 18889
Date Established 1963
Assets $ 87.82 million
Loans $ 62.90 million
Deposits $ 72.44 million
Capital $ 10.01 million
 

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

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
Special: 7 Mo CD
0.65% $1,000 - Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.60% $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
30 Mo CD
0.70% $10,000 $14,999 Learn More
30 Mo CD
0.70% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $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 - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Community Bank of Trenton

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
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,118 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Community Bank of Trenton
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Community Bank of Trenton 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 of Trenton Locations


Financial Details

Community Bank of Trenton Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Bank of Trenton. 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 of Trenton U.S. Bank Average
8.96% 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 of Trenton had $993,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,010,000 in equity and $1,072,000 in loans loss reserves. That gives it a Texas Ratio of 8.96%.

Return on Equity
Community Bank of Trenton U.S. Bank Average
9.81% 7.80%

Community Bank of Trenton has a Return on Equity of 9.81% 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 of Trenton U.S. Bank Average
11.4% 12.68%

Community Bank of Trenton has a Capitalization of 11.4% 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 of Trenton Balance Sheet Analysis

As of March 31, 2020, Community Bank of Trenton had assets of $87,822,000, loans of $62,901,000, and deposits of $72,435,000. 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 $ 8.23 million
Interest-bearing balances $ 4.86 million
Total securities $ 9.40 million
Federal funds sold and reverse repurchase $ 3.28 million
Net loans and leases $ 62.90 million
Loan loss allowance $ 1.07 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 2.27 million
     Total Assets $ 77.81 million
LIABILITIES
Total deposits $ 72.44 million
      Interest-bearing deposits $ 62.31 million
      Deposits held in domestic offices $ 72.44 million
      % insured (estimated) 96.42%
Federal funds purchased and repurchase agreements $ 0.55 million
Trading liabilities N.A.
Other borrowed funds $ 4.45 million
Subordinated debt N.A.
All other liabilities $ 0.38 million
      Total Liabilities $ 77.81 million
      Shareholders’ Equity $ 10.01 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.88 million
Total Interest Expense $ 0.21 million
Net interest income $ 0.67 million
Provision for loan and lease losses $ 0.01 million
Total non interest income $ 0.11 million
Total non interest expense $ 0.53 million
Pre-tax Net Operating Income $ 0.25 million

Bank Loan Profile?

The top three loan types in Community Bank of Trenton’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Illinois, Community Bank of Trenton 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 43.14
Multifamily
Mortgages
1.33
Credit Card Loans 0.00
Consumer Auto Loans 4.08
Small Business Loans 12.63
Construction and Development Loans 6.88
Commercial Real Estate 20.87
Commercial and Industrial Loans 9.15
Farm Loans 3.37

Frequently Asked Questions About Community Bank Of Trenton

Branches and Savings

Is Community Bank Of Trenton FDIC insured?

Yes. It is covered under FDIC Certificate #18889.

Why does Community Bank Of Trenton 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 Of Trenton CD rates not competitive?

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

Is Community Bank Of Trenton a commercial bank?

Yes

Where are Community Bank Of Trenton locations?

See branch locations nearby.

Is Community Bank Of Trenton open on Saturdays?

Is Community Bank Of Trenton open on Sundays?

What time does Community Bank Of Trenton open?

What time does Community Bank Of Trenton close?

Are Community Bank Of Trenton ATMs Open 24/7?

Do Community Bank Of Trenton ATMs accept cash deposits?

Can Community Bank Of Trenton customers use other ATMs?

Do Community Bank Of Trenton branches have notaries?

Will Community Bank Of Trenton notarize my document?

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

Will the Community Bank Of Trenton branch print checks?

Do Community Bank Of Trenton checks expire?

Does Community Bank Of Trenton require US citizenship to open account?

Can Community Bank Of Trenton close my account?

Does Community Bank Of Trenton Report to credit bureaus?

Does Community Bank Of Trenton Use Equifax?

What is Community Bank Of Trenton's ACH Routing Number?

What is Community Bank Of Trenton's SWIFT code?

Products

Does Community Bank Of Trenton offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Community Bank Of Trenton offer personal loans?

Compare personal loan rates here.

Does Community Bank Of Trenton offer student loans?

Will Community Bank Of Trenton cash a check?

Will Community Bank Of Trenton redeem a savings bond?

Does Community Bank Of Trenton cash savings bonds?

Will Community Bank Of Trenton cash money orders?

Can Community Bank Of Trenton issue a money order?

Does Community Bank Of Trenton do currency exchange?

Background on The Bank

Who owns Community Bank Of Trenton?

How long has Community Bank Of Trenton been around?

Can Community Bank Of Trenton transfer to other banks?

Does Community Bank Of Trenton have quick pay?

Does Community Bank Of Trenton accept rolled coins?

Will Community Bank Of Trenton accept loose change?

Where is Community Bank Of Trenton headquarters?

Customer Reviews for Community Bank of Trenton

There are currently no comments for Community Bank of Trenton. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →