Cottonport Bank

Headquarters

942 Bryan St
Cottonport, LA 71327
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 4.65% →
2-Year CD N.A. 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

Reviewed by Cindy Hayes | April 2, 2022 |

We looked long and hard for a bank in our oil and gas supported city that isn't out to destroy us with energy and America killing ESG and DEI programs. I even asked the Better Business Bureau to compile a list of Woke-Free businesses we can patronize. Everyone's asking.

Our citizens have had it with the indoctrinated activist NGO's working at the behest of the globalists, China, Russia and pretty much every single one of America's enemies who finance these America killing programs our corporate fools have caved to.

I mistakenly joined Hancock Whitney, trying to escape Capitol One, because I didn't see any of the radical lingo on their main page and they are a southern bank where many of their customers are in the oil and natural gas business. What kind of banks think it's okay to destroy the livelihoods of their customers and then virtue signal about it through these destructive programs? Anyway, I was researching unrelated material and there was Hancock Whitney as a sponsor for a BLM activist. In what universe do businesses think we wish to align ourselves with the Child Abusing Democrat's domestic terrorist arm, BLM? I told them off and closed my account.

My former party of tolerance has a pedophilic obsession with indoctrinating, masking, jabbing and sexualizing America's children and I don't know anyone admitting they still belong to this party yet businesses are still subscribing to destroying their own economy via ESG.

I opened an account a couple of days ago with Cottonport Bank and thoroughly vetted them ahead of time. No wokeness found and they actually give to our local police, firefighters and those the left demonizes. They even have patriotic checks! I see you are trying to harass "Climate Initiatives" from this bank so that tells me they are woke-free or did their homework and know it is a Global Green Ponzi Scheme (I am an authentic greener).

You people might want to catch up to the morals and expectations of the majority of Everyday Americans who hate and/or have been chronically harassed by the Woke. They work for our enemies but you should already know that.

We demand Woke-Free businesses and I told Cottonport Bank that they could increase their business if they would just advertise as a Woke-Free environment. Look how well it's working for the Daily Wire's razor sales against Harry's. Love it!

Does BestCashCow plan on creating a Woke-Free list of businesses? It would be very helpful to we Americans who do not wish to contribute to our own demise.


Independent Fed Up American,
Cindy Hayes
Lafayette, LA


2024 Overview

General Bank Information

Cottonport Bank is an FDIC insured institution located in Cottonport, LA. It was founded in 1902 and has approximately $0.49 billion in assets. Customers can open an account at one of its 13 branches.

FDIC Insured Yes
FDIC Certificate # 8798
Date Established 1902
Assets $ 491.47 million
Loans $ 314.62 million
Deposits $ 431.03 million
Capital $ 59.02 million
 

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

Deposit Rates - December 23, 2024

Your Current Location: Ohio, OH 43085


Loan Rates - December 23, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Cottonport Bank

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
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.960% 6.875%
0.63 points
$2,764 fees
$2,103 Learn More
Advantage Lending
NMLS ID: 2592312
License#: RM.805266.000
6.966% 6.875%
0.50 points
$3,145 fees
$2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.338% 7.250%
0.88 points
$2,800 fees
$2,183 Learn More
Veterans United Home Loans
NMLS ID: 1907

points
fees
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR 6.990 %
After Intro: 6.990 %
$0 Learn More
More Info
Rate
Rate
See Table
Intro APR 7.900 %
After Intro: 7.900 %
$25,000 Learn More
More Info

Note to Cottonport Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Cottonport Bank 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



Climate Policy and Initiatives

Cottonport Bank 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

Cottonport Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cottonport Bank. 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
Cottonport Bank U.S. Bank Average
5.28% 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, Cottonport Bank had $3,306,000 in non-current loans and $89,000 in owned real estate. To cover these potential losses it had $59,024,000 in equity and $5,225,000 in loans loss reserves. That gives it a Texas Ratio of 5.28%.

Return on Equity
Cottonport Bank U.S. Bank Average
11.85% 10.46%

Cottonport Bank has a Return on Equity of 11.85% 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
Cottonport Bank U.S. Bank Average
12.01% 10.84%

Cottonport Bank has a Capitalization of 12.01% 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.

Cottonport Bank Balance Sheet Analysis

As of June 30, 2024, Cottonport Bank had assets of $491,472,000, loans of $314,615,000, and deposits of $431,031,000. 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 $ 51.05 million
Interest-bearing balances $ 41.09 million
Total securities $ 103.76 million
Federal funds sold and reverse repurchase $ 6.48 million
Net loans and leases $ 314.62 million
Loan loss allowance $ 5.23 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.09 million
Goodwill and other intangibles $ 0.47 million
All other assets $ 6.48 million
     Total Assets $ 432.45 million
LIABILITIES
Total deposits $ 431.03 million
      Interest-bearing deposits $ 252.51 million
      Deposits held in domestic offices $ 431.03 million
      % insured (estimated) 80.03%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.86 million
      Total Liabilities $ 432.45 million
      Shareholders’ Equity $ 59.02 million

Summary Income Statement

June 30, 2024
INCOME AND EXPENSES
Total Interest Income $ 12.60 million
Total Interest Expense $ 3.24 million
Net interest income $ 9.37 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.99 million
Total non interest expense $ 7.01 million
Pre-tax Net Operating Income $ 2.95 million

Bank Loan Profile?

The top three loan types in Cottonport Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Louisiana, Cottonport Bank has a significantly higher percent of Small Business 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 23.25
Multifamily
Mortgages
2.52
Credit Card Loans 0.00
Consumer Auto Loans 0.73
Small Business Loans 15.97
Construction and Development Loans 12.88
Commercial Real Estate 31.88
Commercial and Industrial Loans 10.55
Farm Loans 4.76

Customer Reviews for Cottonport Bank


  • April 2, 2022 |

    We looked long and hard for a bank in our oil and gas supported city that isn't out to destroy us with energy and America killing ESG and DEI programs. I even asked the Better Business Bureau to compile a list of Woke-Free businesses we can patronize. Everyone's asking.

    Our citizens have had it with the indoctrinated activist NGO's working at the behest of the globalists, China, Russia and pretty much every single one of America's enemies who finance these America killing programs our corporate fools have caved to.

    I mistakenly joined Hancock Whitney, trying to escape Capitol One, because I didn't see any of the radical lingo on their main page and they are a southern bank where many of their customers are in the oil and natural gas business. What kind of banks think it's okay to destroy the livelihoods of their customers and then virtue signal about it through these destructive programs? Anyway, I was researching unrelated material and there was Hancock Whitney as a sponsor for a BLM activist. In what universe do businesses think we wish to align ourselves with the Child Abusing Democrat's domestic terrorist arm, BLM? I told them off and closed my account.

    My former party of tolerance has a pedophilic obsession with indoctrinating, masking, jabbing and sexualizing America's children and I don't know anyone admitting they still belong to this party yet businesses are still subscribing to destroying their own economy via ESG.

    I opened an account a couple of days ago with Cottonport Bank and thoroughly vetted them ahead of time. No wokeness found and they actually give to our local police, firefighters and those the left demonizes. They even have patriotic checks! I see you are trying to harass "Climate Initiatives" from this bank so that tells me they are woke-free or did their homework and know it is a Global Green Ponzi Scheme (I am an authentic greener).

    You people might want to catch up to the morals and expectations of the majority of Everyday Americans who hate and/or have been chronically harassed by the Woke. They work for our enemies but you should already know that.

    We demand Woke-Free businesses and I told Cottonport Bank that they could increase their business if they would just advertise as a Woke-Free environment. Look how well it's working for the Daily Wire's razor sales against Harry's. Love it!

    Does BestCashCow plan on creating a Woke-Free list of businesses? It would be very helpful to we Americans who do not wish to contribute to our own demise.


    Independent Fed Up American,
    Cindy Hayes
    Lafayette, LA


Add Your Review


or use your BestCashCow account

or