Custodial Trust Company

Headquarters

575 Washington Boulevard
Jersey City, NJ 07310
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Custodial Trust Company is an FDIC insured institution located in Jersey City, NJ. It was founded in 1984 and has approximately $0.29 billion in assets.

FDIC Insured Yes
FDIC Certificate # 25809
Date Established 1984
Assets $ 288.05 million
Loans N.A.
Deposits $ 25.23 million
Capital $ 261.64 million
 

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

Deposit Rates - November 29, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - November 29, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Custodial Trust Company

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

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Payment
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AmeriSave Mortgage Corporation
NMLS ID: 1168
2.687% 2.625% 0.63 $2,015 $1,005 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.557% 2.500% 0.75 $1,880 $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
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2.240 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Note to Custodial Trust Company
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Branches

Custodial Trust Company 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


Custodial Trust Company Locations


Financial Details

Custodial Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Custodial Trust Company. 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
Custodial Trust Company 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, Custodial Trust Company had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $261,638,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Custodial Trust Company U.S. Bank Average
-0.01% 7.80%

Custodial Trust Company has a Return on Equity of -0.01% 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
Custodial Trust Company U.S. Bank Average
90.83% 12.68%

Custodial Trust Company has a Capitalization of 90.83% 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.

Custodial Trust Company Balance Sheet Analysis

As of September 30, 2011, Custodial Trust Company had assets of $288,053,000, loans of $0, and deposits of $25,229,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
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 N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 25.23 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 288.05 million

Summary Income Statement

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

Bank Loan Profile?

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

Compared to other banks, Custodial Trust Company’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 Custodial Trust Company

Branches and Savings

Is Custodial Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #25809.

Why does Custodial Trust Company pay such low interest on savings accounts?

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

Why are Custodial Trust Company CD rates not competitive?

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

Is Custodial Trust Company a commercial bank?

Yes

Where are Custodial Trust Company locations?

See branch locations nearby.

Is Custodial Trust Company open on Saturdays?

Is Custodial Trust Company open on Sundays?

What time does Custodial Trust Company open?

What time does Custodial Trust Company close?

Are Custodial Trust Company ATMs Open 24/7?

Do Custodial Trust Company ATMs accept cash deposits?

Can Custodial Trust Company customers use other ATMs?

Do Custodial Trust Company branches have notaries?

Will Custodial Trust Company notarize my document?

What address for Custodial Trust Company should I put for incoming ACH transfers?

Will the Custodial Trust Company branch print checks?

Do Custodial Trust Company checks expire?

Does Custodial Trust Company require US citizenship to open account?

Can Custodial Trust Company close my account?

Does Custodial Trust Company Report to credit bureaus?

Does Custodial Trust Company Use Equifax?

What is Custodial Trust Company's ACH Routing Number?

What is Custodial Trust Company's SWIFT code?

Products

Does Custodial Trust Company offer mortgages?

Compare mortgage rates here.

Does Custodial Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Custodial Trust Company offer personal loans?

Compare personal loan rates here.

Does Custodial Trust Company offer student loans?

Will Custodial Trust Company cash a check?

Will Custodial Trust Company redeem a savings bond?

Does Custodial Trust Company cash savings bonds?

Will Custodial Trust Company cash money orders?

Can Custodial Trust Company issue a money order?

Does Custodial Trust Company do currency exchange?

Background on The Bank

Who owns Custodial Trust Company?

How long has Custodial Trust Company been around?

Can Custodial Trust Company transfer to other banks?

Does Custodial Trust Company have quick pay?

Does Custodial Trust Company accept rolled coins?

Will Custodial Trust Company accept loose change?

Where is Custodial Trust Company headquarters?

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