National Bank & Trust

Headquarters

141 West Colorado Street
La Grange, TX 78945
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. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

National Bank & Trust is an FDIC insured institution located in La Grange, TX. It was founded in 1888 and has approximately $0.2 billion in assets.

FDIC Insured Yes
FDIC Certificate # 3289
Date Established 1888
Assets $ 202.32 million
Loans $ 85.64 million
Deposits $ 167.66 million
Capital $ 28.69 million
 

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

Deposit Rates - September 24, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 24, 2020

Your Current Location: Connecticut, CT 06828

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

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
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $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

Note to National Bank & Trust
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Branches

National 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:
Fairfield,Connecticut


National Bank & Trust Locations


Financial Details

National Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of National 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
National Bank & Trust U.S. Bank Average
0.34% 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, National Bank & Trust had $102,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $28,688,000 in equity and $1,064,000 in loans loss reserves. That gives it a Texas Ratio of 0.34%.

Return on Equity
National Bank & Trust U.S. Bank Average
5.82% 7.80%

National Bank & Trust has a Return on Equity of 5.82% 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
National Bank & Trust U.S. Bank Average
14.18% 12.68%

National Bank & Trust has a Capitalization of 14.18% 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.

National Bank & Trust Balance Sheet Analysis

As of March 31, 2020, National Bank & Trust had assets of $202,323,000, loans of $85,639,000, and deposits of $167,663,000. 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 $ 2.07 million
Interest-bearing balances $ 0.87 million
Total securities $ 108.47 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 85.64 million
Loan loss allowance $ 1.06 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 $ 1.48 million
     Total Assets $ 173.64 million
LIABILITIES
Total deposits $ 167.66 million
      Interest-bearing deposits $ 129.92 million
      Deposits held in domestic offices $ 167.66 million
      % insured (estimated) 81.41%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 5.00 million
Subordinated debt N.A.
All other liabilities $ 0.97 million
      Total Liabilities $ 173.64 million
      Shareholders’ Equity $ 28.69 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.62 million
Total Interest Expense $ 0.39 million
Net interest income $ 1.23 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.14 million
Total non interest expense $ 0.94 million
Pre-tax Net Operating Income $ 0.41 million

Bank Loan Profile?

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

Compared to other banks in Texas, National Bank & Trust has a significantly higher percent of 1-4 Family Residential 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 63.30
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 4.84
Small Business Loans 0.00
Construction and Development Loans 3.59
Commercial Real Estate 6.96
Commercial and Industrial Loans 2.40
Farm Loans 0.23

Frequently Asked Questions About National Bank & Trust

Branches and Savings

Is National Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #3289.

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

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

Is National Bank & Trust a commercial bank?

Yes

Where are National Bank & Trust locations?

See branch locations nearby.

Is National Bank & Trust open on Saturdays?

Is National Bank & Trust open on Sundays?

What time does National Bank & Trust open?

What time does National Bank & Trust close?

Are National Bank & Trust ATMs Open 24/7?

Do National Bank & Trust ATMs accept cash deposits?

Can National Bank & Trust customers use other ATMs?

Do National Bank & Trust branches have notaries?

Will National Bank & Trust notarize my document?

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

Will the National Bank & Trust branch print checks?

Do National Bank & Trust checks expire?

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

Can National Bank & Trust close my account?

Does National Bank & Trust Report to credit bureaus?

Does National Bank & Trust Use Equifax?

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

What is National Bank & Trust's SWIFT code?

Products

Does National Bank & Trust offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does National Bank & Trust offer personal loans?

Compare personal loan rates here.

Does National Bank & Trust offer student loans?

Will National Bank & Trust cash a check?

Will National Bank & Trust redeem a savings bond?

Does National Bank & Trust cash savings bonds?

Will National Bank & Trust cash money orders?

Can National Bank & Trust issue a money order?

Does National Bank & Trust do currency exchange?

Background on The Bank

Who owns National Bank & Trust?

How long has National Bank & Trust been around?

Can National Bank & Trust transfer to other banks?

Does National Bank & Trust have quick pay?

Does National Bank & Trust accept rolled coins?

Will National Bank & Trust accept loose change?

Where is National Bank & Trust headquarters?

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