Community Bank & Trust

Headquarters

575 South Main Street
Ashland City, TN 37015
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 Ashland City, TN. It was founded in 1999 and has approximately $0.25 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 35258
Date Established 1999
Assets $ 256.53 million
Loans $ 172.44 million
Deposits $ 210.09 million
Capital $ 26.28 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 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.569% 2.500% 0.88 $2,258 $988 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
2.240 %
$0 Learn More
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:
Fairfield,Connecticut


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
3.55% 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 $989,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $26,277,000 in equity and $1,585,000 in loans loss reserves. That gives it a Texas Ratio of 3.55%.

Return on Equity
Community Bank & Trust U.S. Bank Average
10.14% 7.80%

Community Bank & Trust has a Return on Equity of 10.14% 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
10.24% 12.68%

Community Bank & Trust has a Capitalization of 10.24% 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 December 31, 2019, Community Bank & Trust had assets of $252,873,000, loans of $172,442,000, and deposits of $210,091,000. 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 $ 7.79 million
Interest-bearing balances $ 3.72 million
Total securities $ 56.34 million
Federal funds sold and reverse repurchase $ 3.24 million
Net loans and leases $ 172.44 million
Loan loss allowance $ 1.59 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 $ 7.96 million
     Total Assets $ 226.60 million
LIABILITIES
Total deposits $ 210.09 million
      Interest-bearing deposits $ 150.07 million
      Deposits held in domestic offices $ 210.09 million
      % insured (estimated) 88.54%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 13.06 million
Subordinated debt N.A.
All other liabilities $ 3.45 million
      Total Liabilities $ 226.60 million
      Shareholders’ Equity $ 29.93 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 10.72 million
Total Interest Expense $ 1.95 million
Net interest income $ 8.77 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.41 million
Total non interest expense $ 8.74 million
Pre-tax Net Operating Income $ 2.18 million

Bank Loan Profile?

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

Compared to other banks in Tennessee, Community Bank & Trust has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Construction and Development 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 25.11
Multifamily
Mortgages
4.58
Credit Card Loans 0.00
Consumer Auto Loans 1.21
Small Business Loans 16.12
Construction and Development Loans 17.98
Commercial Real Estate 38.14
Commercial and Industrial Loans 7.50
Farm Loans 2.73

Frequently Asked Questions About Community Bank & Trust

Branches and Savings

Is Community Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #35258.

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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