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% 0.95% →
1-Year CD 0.65% 1.01% →
2-Year CD 0.85% 0.95% →
5-Year CD 1.20% 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

Crescent Bank & Trust is an FDIC insured institution located in New Orleans, LA. It was founded in 1991 and has approximately $0.98 billion in assets. Customers can open an account at one of its 47 branches.

FDIC Insured Yes
FDIC Certificate # 33492
Date Established 1991
Assets $ 983.81 million
Loans $ 812.22 million
Deposits $ 824.27 million
Capital $ 137.62 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 - October 27, 2020

Your Current Location: Virginia, VA 20146

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
3 Mo CD
0.30% $10,000 $14,999 Learn More
3 Mo CD
0.30% $100,000 $199,999 Learn More
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 - October 27, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
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NMLS ID: 2890
License#: MC-3098
2.666% 2.625% 0.50 $1,335 $1,005 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.555% 2.500% 0.75 $1,821 $988 Learn More
First Internet Bank
NMLS ID: 424182
2.574% 2.500% 1.00 $2,432 $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 Crescent Bank & Trust
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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:
Ashburn,Virginia


Crescent Bank & Trust Locations


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
18.51% 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, Crescent Bank & Trust had $31,618,000 in non-current loans and $371,000 in owned real estate. To cover these potential losses it had $137,615,000 in equity and $35,162,000 in loans loss reserves. That gives it a Texas Ratio of 18.51%.

Return on Equity
Crescent Bank & Trust U.S. Bank Average
0.06% 7.80%

Crescent Bank & Trust has a Return on Equity of 0.06% 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
Crescent Bank & Trust U.S. Bank Average
13.99% 12.68%

Crescent Bank & Trust has a Capitalization of 13.99% 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.

Crescent Bank & Trust Balance Sheet Analysis

As of March 31, 2020, Crescent Bank & Trust had assets of $983,810,000, loans of $812,221,000, and deposits of $824,273,000. 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 $ 15.61 million
Interest-bearing balances $ 9.09 million
Total securities $ 84.91 million
Federal funds sold and reverse repurchase $ 22.05 million
Net loans and leases $ 812.22 million
Loan loss allowance $ 35.16 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.37 million
Goodwill and other intangibles N.A.
All other assets $ 35.84 million
     Total Assets $ 846.20 million
LIABILITIES
Total deposits $ 824.27 million
      Interest-bearing deposits $ 809.79 million
      Deposits held in domestic offices $ 824.27 million
      % insured (estimated) 96.10%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 15.00 million
Subordinated debt N.A.
All other liabilities $ 6.92 million
      Total Liabilities $ 846.20 million
      Shareholders’ Equity $ 137.62 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 35.82 million
Total Interest Expense $ 4.84 million
Net interest income $ 30.97 million
Provision for loan and lease losses $ 14.30 million
Total non interest income $ 0.63 million
Total non interest expense $ 17.26 million
Pre-tax Net Operating Income $ 0.04 million

Bank Loan Profile?

The top three loan types in Crescent Bank & Trust’s loan portfolio are Consumer Auto Loans, Commercial and Industrial Loans, and 1-4 Family Residential 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 2.78
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 95.20
Small Business Loans 0.85
Construction and Development Loans 0.17
Commercial Real Estate 1.97
Commercial and Industrial Loans 3.23
Farm Loans 0.00

Frequently Asked Questions About Crescent Bank & Trust

Branches and Savings

Is Crescent Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #33492.

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

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

Is Crescent Bank & Trust a commercial bank?

Yes

Where are Crescent Bank & Trust locations?

See branch locations nearby.

Is Crescent Bank & Trust open on Saturdays?

Is Crescent Bank & Trust open on Sundays?

What time does Crescent Bank & Trust open?

What time does Crescent Bank & Trust close?

Are Crescent Bank & Trust ATMs Open 24/7?

Do Crescent Bank & Trust ATMs accept cash deposits?

Can Crescent Bank & Trust customers use other ATMs?

Do Crescent Bank & Trust branches have notaries?

Will Crescent Bank & Trust notarize my document?

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

Will the Crescent Bank & Trust branch print checks?

Do Crescent Bank & Trust checks expire?

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

Can Crescent Bank & Trust close my account?

Does Crescent Bank & Trust Report to credit bureaus?

Does Crescent Bank & Trust Use Equifax?

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

What is Crescent Bank & Trust's SWIFT code?

Products

Does Crescent Bank & Trust offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Crescent Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Crescent Bank & Trust offer student loans?

Will Crescent Bank & Trust cash a check?

Will Crescent Bank & Trust redeem a savings bond?

Does Crescent Bank & Trust cash savings bonds?

Will Crescent Bank & Trust cash money orders?

Can Crescent Bank & Trust issue a money order?

Does Crescent Bank & Trust do currency exchange?

Background on The Bank

Who owns Crescent Bank & Trust?

How long has Crescent Bank & Trust been around?

Can Crescent Bank & Trust transfer to other banks?

Does Crescent Bank & Trust have quick pay?

Does Crescent Bank & Trust accept rolled coins?

Will Crescent Bank & Trust accept loose change?

Where is Crescent Bank & Trust headquarters?

Customer Reviews for Crescent Bank & Trust


  • April 09, 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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