Crescent Bank & Trust

Headquarters

1100 Poydras Street, Suite 100
New Orleans, LA 70163
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.50% 0.85% →
1-Year CD 0.65% 0.67% →
2-Year CD 0.85% 0.80% →
5-Year CD 1.20% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Crescent Bank & Trust is an FDIC insured institution located in New Orleans, LA. It was founded in 1991 and has approximately $0.93 billion in assets. Customers can open an account at one of its 47 branches.

FDIC Insured Yes
FDIC Certificate # 33492
Date Established 1991
Assets $ 931.74 million
Loans $ 768.01 million
Deposits $ 744.37 million
Capital $ 164.26 million
 

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

Deposit Rates - November 29, 2021

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.50% $2,500 $4,999 Learn More
Money Market
0.50% $2,500 $2,999 Learn More
Money Market
0.50% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.65% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.85% $10,000 $14,999 Learn More
24 Mo CD
0.85% $100,000 $199,999 Learn More
30 Mo CD
0.90% $10,000 $14,999 Learn More
30 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.20% $10,000 $14,999 Learn More
60 Mo CD
1.20% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.40% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - November 29, 2021

Your Current Location: Washington, WA 98109

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

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Oceans Mortgage
NMLS ID: 1558823
License#: CL-1558823
2.813% 2.750%
0.38 points
$2,072 fees
$1,021 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info

Note to Crescent Bank & Trust
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Crescent 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:
Seattle,Washington


Crescent Bank & Trust Locations



Climate Initiatives

Crescent Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Crescent Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Crescent 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
Crescent Bank & Trust U.S. Bank Average
8.48% 4.78%

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 June 30, 2021, Crescent Bank & Trust had $16,916,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $164,261,000 in equity and $35,146,000 in loans loss reserves. That gives it a Texas Ratio of 8.48%.

Return on Equity
Crescent Bank & Trust U.S. Bank Average
24.22% 11.29%

Crescent Bank & Trust has a Return on Equity of 24.22% versus the BestCashCow average of 11.29%. 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
Crescent Bank & Trust U.S. Bank Average
17.63% 11.72%

Crescent Bank & Trust has a Capitalization of 17.63% versus the BestCashCow average of 11.72. 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.

Crescent Bank & Trust Balance Sheet Analysis

As of June 30, 2021, Crescent Bank & Trust had assets of $931,742,000, loans of $768,013,000, and deposits of $744,372,000. 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

June 30, 2021
ASSETS
Cash & Balances due from depository institutions $ 30.69 million
Interest-bearing balances $ 27.68 million
Total securities $ 71.46 million
Federal funds sold and reverse repurchase $ 15.10 million
Net loans and leases $ 768.01 million
Loan loss allowance $ 35.15 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 $ 33.56 million
     Total Assets $ 767.48 million
LIABILITIES
Total deposits $ 744.37 million
      Interest-bearing deposits $ 717.35 million
      Deposits held in domestic offices $ 744.37 million
      % insured (estimated) 93.89%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 14.00 million
Subordinated debt N.A.
All other liabilities $ 9.11 million
      Total Liabilities $ 767.48 million
      Shareholders’ Equity $ 164.26 million

Summary Income Statement

June 30, 2021
INCOME AND EXPENSES
Total Interest Income $ 67.23 million
Total Interest Expense $ 6.55 million
Net interest income $ 60.68 million
Provision for loan and lease losses $ 12.80 million
Total non interest income $ 2.66 million
Total non interest expense $ 26.48 million
Pre-tax Net Operating Income $ 24.05 million

Bank Loan Profile?

The top three loan types in Crescent Bank & Trust’s loan portfolio are Consumer Auto Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Louisiana, Crescent Bank & Trust has a significantly higher percent of Consumer Auto 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 4.94
Multifamily
Mortgages
0.54
Credit Card Loans 0.00
Consumer Auto Loans 93.72
Small Business Loans 0.93
Construction and Development Loans 0.09
Commercial Real Estate 1.93
Commercial and Industrial Loans 2.32
Farm Loans 0.00

Customer Reviews for Crescent Bank & Trust


  • April 9, 2016

    CDs 36 Month Rates

    The two women, Shawn and Marcie, were very nice to me and accommodated my every transaction.

  • December 30, 2014

    how do I invest in a cd from your bank..I am in mass.

  • December 23, 2014

    Do you accept deposits from Illinois residents?

  • December 16, 2014

    Do you accept deposits from California Residents?

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