Crescent Bank

Headquarters

1100 Poydras St
New Orleans, LA 70163
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 4.80% →
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% →

2024 Overview

General Bank Information

Crescent Bank is an FDIC insured institution located in New Orleans, LA. It was founded in 1991 and has approximately $1.27 billion in assets. Customers can open an account at one of its 47 branches.

FDIC Insured Yes
FDIC Certificate # 33492
Date Established 1991
Assets $ 1,272.70 million
Loans $ 1,024.31 million
Deposits $ 1,147.81 million
Capital $ 111.47 million
 

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

Deposit Rates - November 6, 2024

Your Current Location: Ohio, OH 43085


Loan Rates - November 6, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Crescent 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
Midwest Mortgage Lending
NMLS ID: 2262032
License#: RM.804810.000
6.391% 6.250%
1.00 points
$4,800 fees
$1,971 Learn More
District Lending
NMLS ID: 1835285
6.494% 6.375%
0.75 points
$4,000 fees
$1,997 Learn More
Pure Rate Mortgage
NMLS ID: 2578474
6.596% 6.500%
0.63 points
$3,210 fees
$2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.993% 6.875%
1.00 points
$3,852 fees
$2,103 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 7.490 %
After Intro: 7.490 %
$0 Learn More
More Info

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

Branches

Crescent 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


Crescent Bank Locations around zip code 43085


BranchDistance Map View Lobby Hours

Crescent Bank & Trust Cincinnati Lpo

90.00 A View Lobby Hours

Crescent Bank & Trust Cleveland Lpo

122.03 B View Lobby Hours

Crescent Bank & Trust Toledo Loan Pr

123.64 C View Lobby Hours

Dearborn Loan Production Office

163.67 D View Lobby Hours

Crescent Bank & Trust Indianapolis L

165.20 E View Lobby Hours

Crescent Bank & Trust Pittsburgh Loa

174.29 F View Lobby Hours

Crescent Bank & Trust Nashville Lpo

328.04 G View Lobby Hours

Crescent Bank & Trust Rochester Loan

368.60 H View Lobby Hours

Crescent Bank & Trust Philadelphia L

417.13 I View Lobby Hours

Crescent Bank & Trust Chesapeake Loa

420.14 J View Lobby Hours

Birmingham Lpo

495.81 K View Lobby Hours

Crescent Bank & Trust New York Loan

510.74 L View Lobby Hours

Crescent Bank & Trust Jacksonville L

670.10 M View Lobby Hours

Monroe Limited Purpose Branch

705.29 N View Lobby Hours

Crescent Bank & Trust Loan Productio

734.23 O View Lobby Hours

Crescent Bank & Trust - Covington Br

757.52 P View Lobby Hours

Alexandria Loan Production Office

783.05 Q View Lobby Hours

Metairie Branch

785.24 R View Lobby Hours

Crescent Bank & Trust

786.87 S View Lobby Hours

Baton Rouge Limited Purpose Branch

787.18 T View Lobby Hours

Crescent Bank & Trust Orlando Loan P

799.89 U View Lobby Hours

Lafayette Limited Purpose Branch

827.48 V View Lobby Hours

Crescent Bank & Trust Lafayette Loan

827.50 W View Lobby Hours

Crescent Bank & Trust Tampa Loan Pro

830.23 X View Lobby Hours

Crescent Bank & Trust - Dallas Loan

871.75 Y View Lobby Hours

Crescent Bank & Trust Houston Loan P

958.62 Z View Lobby Hours


Climate Policy and Initiatives

Crescent 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

Crescent Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Crescent 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
Crescent Bank U.S. Bank Average
13.47% 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, Crescent Bank had $31,228,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $111,469,000 in equity and $120,373,000 in loans loss reserves. That gives it a Texas Ratio of 13.47%.

Return on Equity
Crescent Bank U.S. Bank Average
6.69% 10.46%

Crescent Bank has a Return on Equity of 6.69% 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
Crescent Bank U.S. Bank Average
8.76% 10.84%

Crescent Bank has a Capitalization of 8.76% 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.

Crescent Bank Balance Sheet Analysis

As of June 30, 2024, Crescent Bank had assets of $1,272,703,000, loans of $1,024,311,000, and deposits of $1,147,807,000. 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 $ 71.28 million
Interest-bearing balances $ 70.01 million
Total securities $ 92.86 million
Federal funds sold and reverse repurchase $ 0.30 million
Net loans and leases $ 1,024.31 million
Loan loss allowance $ 120.37 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 $ 40.60 million
     Total Assets $ 1,161.23 million
LIABILITIES
Total deposits $ 1,147.81 million
      Interest-bearing deposits $ 1,133.81 million
      Deposits held in domestic offices $ 1,147.81 million
      % insured (estimated) 95.39%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 14.00 million
Subordinated debt N.A.
All other liabilities $ 13.89 million
      Total Liabilities $ 1,161.23 million
      Shareholders’ Equity $ 111.47 million

Summary Income Statement

June 30, 2024
INCOME AND EXPENSES
Total Interest Income $ 108.99 million
Total Interest Expense $ 24.40 million
Net interest income $ 84.59 million
Provision for loan and lease losses $ 44.50 million
Total non interest income $ 1.01 million
Total non interest expense $ 36.16 million
Pre-tax Net Operating Income $ 10.82 million

Bank Loan Profile?

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

Compared to other banks in Louisiana, Crescent Bank has a significantly higher percent of Consumer Auto 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 2.79
Multifamily
Mortgages
0.09
Credit Card Loans 0.00
Consumer Auto Loans 98.87
Small Business Loans 0.75
Construction and Development Loans 0.02
Commercial Real Estate 2.35
Commercial and Industrial Loans 1.42
Farm Loans 0.00

Customer Reviews for Crescent Bank


  • April 9, 2016

    CDs 36 Month Rates

    The two women, Shawn and Marcie, were very nice to me and accommodated my every transaction.

  • December 30, 2014

    how do I invest in a cd from your bank..I am in mass.

  • December 23, 2014

    Do you accept deposits from Illinois residents?

  • December 16, 2014

    Do you accept deposits from California Residents?


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