Commercial Bank & Trust Company

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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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

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 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 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.

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.