Eaton National Bank & Trust Co.

Headquarters

110 West Main Street
Eaton, OH 45320
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
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

Eaton National Bank & Trust Co. is an FDIC insured institution located in Eaton, OH. It was founded in 1892 and has approximately $0.18 billion in assets.

FDIC Insured Yes
FDIC Certificate # 6579
Date Established 1892
Assets $ 182.94 million
Loans $ 130.18 million
Deposits $ 164.36 million
Capital $ 17.62 million
 

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

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Eaton National Bank & Trust Co.

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

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,128 $1,021 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
See Table
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

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

Branches

Eaton National Bank & Trust Co. 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


Eaton National Bank & Trust Co. Locations


Financial Details

Eaton National Bank & Trust Co. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Eaton National Bank & Trust Co.. 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
Eaton National Bank & Trust Co. U.S. Bank Average
17.19% 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, Eaton National Bank & Trust Co. had $3,030,000 in non-current loans and $268,000 in owned real estate. To cover these potential losses it had $17,619,000 in equity and $1,569,000 in loans loss reserves. That gives it a Texas Ratio of 17.19%.

Return on Equity
Eaton National Bank & Trust Co. U.S. Bank Average
5.76% 7.80%

Eaton National Bank & Trust Co. has a Return on Equity of 5.76% 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
Eaton National Bank & Trust Co. U.S. Bank Average
9.63% 12.68%

Eaton National Bank & Trust Co. has a Capitalization of 9.63% 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.

Eaton National Bank & Trust Co. Balance Sheet Analysis

As of December 31, 2013, Eaton National Bank & Trust Co. had assets of $182,940,000, loans of $130,176,000, and deposits of $164,362,000. 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 $ 130.18 million
Loan loss allowance $ 1.57 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.27 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 164.36 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 $ 182.94 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 Eaton National Bank & Trust Co.’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Ohio, Eaton National Bank & Trust Co. has a significantly higher percent of Small Business Loans, Farm 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 25.95
Multifamily
Mortgages
6.42
Credit Card Loans 0.00
Consumer Auto Loans 7.20
Small Business Loans 10.84
Construction and Development Loans 1.73
Commercial Real Estate 25.06
Commercial and Industrial Loans 11.01
Farm Loans 6.84

Frequently Asked Questions About Eaton National Bank & Trust Co.

Branches and Savings

Is Eaton National Bank & Trust Co. FDIC insured?

Yes. It is covered under FDIC Certificate #6579.

Why does Eaton National Bank & Trust Co. pay such low interest on savings accounts?

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

Why are Eaton National Bank & Trust Co. CD rates not competitive?

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

Is Eaton National Bank & Trust Co. a commercial bank?

Yes

Where are Eaton National Bank & Trust Co. locations?

See branch locations nearby.

Is Eaton National Bank & Trust Co. open on Saturdays?

Is Eaton National Bank & Trust Co. open on Sundays?

What time does Eaton National Bank & Trust Co. open?

What time does Eaton National Bank & Trust Co. close?

Are Eaton National Bank & Trust Co. ATMs Open 24/7?

Do Eaton National Bank & Trust Co. ATMs accept cash deposits?

Can Eaton National Bank & Trust Co. customers use other ATMs?

Do Eaton National Bank & Trust Co. branches have notaries?

Will Eaton National Bank & Trust Co. notarize my document?

What address for Eaton National Bank & Trust Co. should I put for incoming ACH transfers?

Will the Eaton National Bank & Trust Co. branch print checks?

Do Eaton National Bank & Trust Co. checks expire?

Does Eaton National Bank & Trust Co. require US citizenship to open account?

Can Eaton National Bank & Trust Co. close my account?

Does Eaton National Bank & Trust Co. Report to credit bureaus?

Does Eaton National Bank & Trust Co. Use Equifax?

What is Eaton National Bank & Trust Co.'s ACH Routing Number?

What is Eaton National Bank & Trust Co.'s SWIFT code?

Products

Does Eaton National Bank & Trust Co. offer mortgages?

Compare mortgage rates here.

Does Eaton National Bank & Trust Co. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Eaton National Bank & Trust Co. offer personal loans?

Compare personal loan rates here.

Does Eaton National Bank & Trust Co. offer student loans?

Will Eaton National Bank & Trust Co. cash a check?

Will Eaton National Bank & Trust Co. redeem a savings bond?

Does Eaton National Bank & Trust Co. cash savings bonds?

Will Eaton National Bank & Trust Co. cash money orders?

Can Eaton National Bank & Trust Co. issue a money order?

Does Eaton National Bank & Trust Co. do currency exchange?

Background on The Bank

Who owns Eaton National Bank & Trust Co.?

How long has Eaton National Bank & Trust Co. been around?

Can Eaton National Bank & Trust Co. transfer to other banks?

Does Eaton National Bank & Trust Co. have quick pay?

Does Eaton National Bank & Trust Co. accept rolled coins?

Will Eaton National Bank & Trust Co. accept loose change?

Where is Eaton National Bank & Trust Co. headquarters?

Customer Reviews for Eaton National Bank & Trust Co.

There are currently no comments for Eaton National Bank & Trust Co.. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →