Community Bank & Trust

Headquarters

604 North 8th Street
Sheboygan, WI 53081
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
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 & Trust is an FDIC insured institution located in Sheboygan, WI. It was founded in 1989 and has approximately $0.53 billion in assets.

FDIC Insured Yes
FDIC Certificate # 27507
Date Established 1989
Assets $ 525.51 million
Loans $ 401.42 million
Deposits $ 429.36 million
Capital $ 54.56 million
 

For a more detailed analysis of Community Bank & Trust'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


Loan Rates - October 25, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Community Bank & Trust

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

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Featured - Virginia Home Equity Line Of Credit Rates 2020

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Third Federal Savings and Loans
Third Federal Savings and Loans
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2.240 %
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More Info

Note to Community Bank & Trust
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Branches

Community Bank & Trust 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 & Trust Locations


Financial Details

Community Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Bank & Trust. 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 & Trust U.S. Bank Average
15.91% 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 & Trust had $9,597,000 in non-current loans and $731,000 in owned real estate. To cover these potential losses it had $54,555,000 in equity and $10,356,000 in loans loss reserves. That gives it a Texas Ratio of 15.91%.

Return on Equity
Community Bank & Trust U.S. Bank Average
12.39% 7.80%

Community Bank & Trust has a Return on Equity of 12.39% 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 & Trust U.S. Bank Average
10.38% 12.68%

Community Bank & Trust has a Capitalization of 10.38% 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 & Trust Balance Sheet Analysis

As of September 30, 2014, Community Bank & Trust had assets of $530,434,000, loans of $401,415,000, and deposits of $429,364,000. 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 $ 401.42 million
Loan loss allowance $ 10.36 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.73 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 429.36 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 $ 525.51 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 & Trust’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Wisconsin, Community Bank & Trust has a significantly higher percent of Small Business Loans, Commercial Real Estate, Commercial and Industrial 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 18.65
Multifamily
Mortgages
2.88
Credit Card Loans 0.07
Consumer Auto Loans 0.29
Small Business Loans 13.19
Construction and Development Loans 6.79
Commercial Real Estate 48.03
Commercial and Industrial Loans 22.40
Farm Loans 0.39

Frequently Asked Questions About Community Bank & Trust

Branches and Savings

Is Community Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #27507.

Why does Community Bank & Trust 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 & Trust CD rates not competitive?

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

Is Community Bank & Trust a commercial bank?

Yes

Where are Community Bank & Trust locations?

See branch locations nearby.

Is Community Bank & Trust open on Saturdays?

Is Community Bank & Trust open on Sundays?

What time does Community Bank & Trust open?

What time does Community Bank & Trust close?

Are Community Bank & Trust ATMs Open 24/7?

Do Community Bank & Trust ATMs accept cash deposits?

Can Community Bank & Trust customers use other ATMs?

Do Community Bank & Trust branches have notaries?

Will Community Bank & Trust notarize my document?

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

Will the Community Bank & Trust branch print checks?

Do Community Bank & Trust checks expire?

Does Community Bank & Trust require US citizenship to open account?

Can Community Bank & Trust close my account?

Does Community Bank & Trust Report to credit bureaus?

Does Community Bank & Trust Use Equifax?

What is Community Bank & Trust's ACH Routing Number?

What is Community Bank & Trust's SWIFT code?

Products

Does Community Bank & Trust offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Community Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Community Bank & Trust offer student loans?

Will Community Bank & Trust cash a check?

Will Community Bank & Trust redeem a savings bond?

Does Community Bank & Trust cash savings bonds?

Will Community Bank & Trust cash money orders?

Can Community Bank & Trust issue a money order?

Does Community Bank & Trust do currency exchange?

Background on The Bank

Who owns Community Bank & Trust?

How long has Community Bank & Trust been around?

Can Community Bank & Trust transfer to other banks?

Does Community Bank & Trust have quick pay?

Does Community Bank & Trust accept rolled coins?

Will Community Bank & Trust accept loose change?

Where is Community Bank & Trust headquarters?

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