Commercial Bank & Trust Company
Headquarters
212 W Gaines St
Monticello, AR 71655
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2024 Overview
General Bank Information
Commercial Bank & Trust Company is an FDIC insured institution located in Monticello, AR. It was founded in 1913 and has approximately $0.36 billion in assets.
| FDIC Insured | Yes |
| FDIC Certificate | # 90 |
| Date Established | 1913 |
| Assets | $ 361.99 million |
| Loans | $ 216.48 million |
| Deposits | $ 337.67 million |
| Capital | $ 17.15 million |
For a more detailed analysis of Commercial Bank & Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.50% | $300 | - |
Learn More
|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
1.75% | $100 | - | Learn More |
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Commercial Bank & Trust Company
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% |
6.375% 0.88 points $4,010 fees |
$1,997 | Learn More |
NMLS ID: 2890 License#: MBMB.850089.000 |
6.618% |
6.500% 0.88 points $3,949 fees |
$2,023 | Learn More |
NMLS ID: 401822 |
6.692% |
6.500% 1.00 points $6,400 fees |
$2,023 | Learn More |
NMLS ID: 1025894 |
6.866% |
6.750% 1.00 points $3,801 fees |
$2,076 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR
7.490 %
After Intro: 7.490 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR
9.250 %
After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to Commercial Bank & Trust Company
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Branches
Commercial Bank & 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:
Columbus,Ohio
Commercial Bank & Trust Company Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|
Climate Policy and Initiatives
Commercial Bank & Trust Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Commercial Bank & Trust Company Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Commercial Bank & 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
| Commercial Bank & Trust Company | U.S. Bank Average |
|---|---|
| 6.14% | 4.48% |
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 June 30, 2024, Commercial Bank & Trust Company had $1,002,000 in non-current loans and $217,000 in owned real estate. To cover these potential losses it had $17,151,000 in equity and $2,695,000 in loans loss reserves. That gives it a Texas Ratio of 6.14%.
Return on Equity
| Commercial Bank & Trust Company | U.S. Bank Average |
|---|---|
| 9.01% | 10.46% |
Commercial Bank & Trust Company has a Return on Equity of 9.01% versus the BestCashCow average of 10.46%. 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
| Commercial Bank & Trust Company | U.S. Bank Average |
|---|---|
| 4.74% | 10.84% |
Commercial Bank & Trust Company has a Capitalization of 4.74% versus the BestCashCow average of 10.84. 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.
Commercial Bank & Trust Company Balance Sheet Analysis
As of June 30, 2024, Commercial Bank & Trust Company had assets of $361,990,000, loans of $216,478,000, and deposits of $337,665,000. 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, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 11.44 million |
| Interest-bearing balances | $ 9.09 million |
| Total securities | $ 116.93 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 216.48 million |
| Loan loss allowance | $ 2.70 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.22 million |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 8.61 million |
| Total Assets | $ 344.84 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 337.67 million |
| Interest-bearing deposits | $ 266.42 million |
| Deposits held in domestic offices | $ 337.67 million |
| % insured (estimated) | 67.09% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.28 million |
| Total Liabilities | $ 344.84 million |
| Shareholders’ Equity | $ 17.15 million |
Summary Income Statement
June 30, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 6.21 million |
| Total Interest Expense | $ 3.07 million |
| Net interest income | $ 3.14 million |
| Provision for loan and lease losses | $ 0.06 million |
| Total non interest income | $ 0.53 million |
| Total non interest expense | $ 3.02 million |
| Pre-tax Net Operating Income | $ 1.69 million |
Bank Loan Profile?
The top three loan types in Commercial Bank & Trust Company’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.
Compared to other banks, Commercial Bank & 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 | 12.97 | ✓ | ||
| Multifamily Mortgages |
0.23 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 3.17 | ✓ | ||
| Small Business Loans | 8.30 | ✓ | ||
| Construction and Development Loans | 7.08 | ✓ | ||
| Commercial Real Estate | 14.33 | ✓ | ||
| Commercial and Industrial Loans | 16.74 | ✓ | ||
| Farm Loans | 0.80 | ✓ | ||
Customer Reviews for Commercial Bank & Trust Company
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