Crescent Bank & Trust

1100 Poydras Street, Suite 100
New Orleans, LA 70163

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33492
Date Established 1991
Assets $0.99 billion
Loans $0.84 billion
Deposits $0.87 billion
Capital $0.12 billion

Crescent Bank & Trust is an FDIC insured institution located in New Orleans, LA. It was founded in 1991 and has approximately $0.99 billion in assets. Customers can open an account at one of its 47 branches.

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.

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 2.42
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 95.94
Small Business Loans 0.34
Construction and Development Loans 0.67
Commercial Real Estate 0.95
Commercial and Industrial Loans 3.83
Farm Loans 0.00

Deposit Rates - October 15, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.40% $1,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.35% $1,000 - Learn MoreShow Less
6 Mo CD
0.50% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
2.22% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.40% $1,000 - Learn MoreShow Less

Loan Rates - October 15, 2018

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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
4.542% 4.500% 0.50 $1,250 $1,267 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.500% 5.500% 0.00 $0 $1,420 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.490% $283.58 Learn More

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:
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
13.15% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, Crescent Bank & Trust had $20,669,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $117,188,000 in equity and $40,041,000 in loans loss reserves. That gives it a Texas Ratio of 13.15%.

Return on Equity
Crescent Bank & Trust U.S. Bank Average
11.22% 9.77%

Crescent Bank & Trust has a Return on Equity of 11.22% versus the BestCashCow average of 9.77%. 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
11.81% 12.31%

Crescent Bank & Trust has a Capitalization of 11.81% versus the BestCashCow average of 12.31. 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, 2018, Crescent Bank & Trust had assets of $992,674,000, loans of $835,837,000, and deposits of $865,175,000. 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, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.08 billion
Federal funds sold and reverse repurchase $0.03 billion
Net loans and leases $0.84 billion
Loan loss allowance $0.04 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.03 billion
     Total Assets $0.88 billion
LIABILITIES
Total deposits $0.87 billion
      Interest-bearing deposits $0.84 billion
      Deposits held in domestic offices $0.87 billion
      % insured (estimated) 97.21%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.88 billion
      Shareholders’ Equity $0.12 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.07 billion
Total Interest Expense $0.01 billion
Net interest income $0.06 billion
Provision for loan and lease losses $0.03 billion
Total non interest income $0.00 billion
Total non interest expense $0.03 billion
Pre-tax Net Operating Income $0.00 billion

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


  • ltriemer

    April 09, 2016

    CDs 36 Month Rates

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

  • john pearce

    December 30, 2014

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

  • Judy

    December 23, 2014

    Do you accept deposits from Illinois residents?

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