Country Trust Bank

Headquarters

1705 North Towanda Avenue
Bloomington, IL 61701
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

Country Trust Bank is an FDIC insured institution located in Bloomington, IL. It was founded in 2000 and has approximately $0.03 billion in assets.

FDIC Insured Yes
FDIC Certificate # 35602
Date Established 2000
Assets $ 28.26 million
Loans N.A.
Deposits $ 0.67 million
Capital $ 26.06 million
 

For a more detailed analysis of Country Trust Bank'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 Country Trust Bank

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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Payment
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NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
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NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More
1Rate, Inc
NMLS ID: 1948084
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2.567% 2.500% 0.88 $2,216 $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 Country Trust Bank
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Branches

Country Trust Bank 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


Country Trust Bank Locations


Financial Details

Country Trust Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Country Trust Bank. 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
Country Trust Bank U.S. Bank Average
0% 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, Country Trust Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $26,058,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Country Trust Bank U.S. Bank Average
1.66% 7.80%

Country Trust Bank has a Return on Equity of 1.66% 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
Country Trust Bank U.S. Bank Average
92.21% 12.68%

Country Trust Bank has a Capitalization of 92.21% 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.

Country Trust Bank Balance Sheet Analysis

As of March 31, 2020, Country Trust Bank had assets of $28,259,000, loans of $0, and deposits of $670,000. 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 $ 0.00 million
Interest-bearing balances N.A.
Total securities $ 19.97 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases N.A.
Loan loss allowance N.A.
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 $ 8.29 million
     Total Assets $ 2.20 million
LIABILITIES
Total deposits $ 0.67 million
      Interest-bearing deposits $ 0.67 million
      Deposits held in domestic offices $ 0.67 million
      % insured (estimated) 37.31%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.53 million
      Total Liabilities $ 2.20 million
      Shareholders’ Equity $ 26.06 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.16 million
Total Interest Expense N.A.
Net interest income $ 0.16 million
Provision for loan and lease losses N.A.
Total non interest income $ 14.35 million
Total non interest expense $ 14.36 million
Pre-tax Net Operating Income $ 0.15 million

Bank Loan Profile?

The top three loan types in Country Trust Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Country Trust Bank’s loan portfolio does not show any specific loan specialty.

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 nan
Multifamily
Mortgages
nan
Credit Card Loans nan
Consumer Auto Loans nan
Small Business Loans nan
Construction and Development Loans nan
Commercial Real Estate nan
Commercial and Industrial Loans nan
Farm Loans nan

Frequently Asked Questions About Country Trust Bank

Branches and Savings

Is Country Trust Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35602.

Why does Country Trust Bank pay such low interest on savings accounts?

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

Why are Country Trust Bank CD rates not competitive?

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

Is Country Trust Bank a commercial bank?

Yes

Where are Country Trust Bank locations?

See branch locations nearby.

Is Country Trust Bank open on Saturdays?

Is Country Trust Bank open on Sundays?

What time does Country Trust Bank open?

What time does Country Trust Bank close?

Are Country Trust Bank ATMs Open 24/7?

Do Country Trust Bank ATMs accept cash deposits?

Can Country Trust Bank customers use other ATMs?

Do Country Trust Bank branches have notaries?

Will Country Trust Bank notarize my document?

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

Will the Country Trust Bank branch print checks?

Do Country Trust Bank checks expire?

Does Country Trust Bank require US citizenship to open account?

Can Country Trust Bank close my account?

Does Country Trust Bank Report to credit bureaus?

Does Country Trust Bank Use Equifax?

What is Country Trust Bank's ACH Routing Number?

What is Country Trust Bank's SWIFT code?

Products

Does Country Trust Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Country Trust Bank offer personal loans?

Compare personal loan rates here.

Does Country Trust Bank offer student loans?

Will Country Trust Bank cash a check?

Will Country Trust Bank redeem a savings bond?

Does Country Trust Bank cash savings bonds?

Will Country Trust Bank cash money orders?

Can Country Trust Bank issue a money order?

Does Country Trust Bank do currency exchange?

Background on The Bank

Who owns Country Trust Bank?

How long has Country Trust Bank been around?

Can Country Trust Bank transfer to other banks?

Does Country Trust Bank have quick pay?

Does Country Trust Bank accept rolled coins?

Will Country Trust Bank accept loose change?

Where is Country Trust Bank headquarters?

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