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Overview / Commentary
847-267-1331
385 Waukegan Road
Northbrook, IL 60062

CenTrust Bank, National Association is headquartered in Northbrook and is the 418st largest bank in the state of Illinois. It is also the 5,700th largest bank in the nation. It was established in 2006 and as of December of 2013, it had grown to 14 employees at 1 location. CenTrust Bank, National Association's money market rates are 14% higher than the national average, but it has a D health rating.

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Health

Data for Q4 2013

Institution Health

D
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. CenTrust Bank, National Association has a relatively low asset base.

Texas Ratio

GRADE:
F

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 CenTrust Bank, National Association had $13.76 million in non-current loans and owned real-estate with $7.08 million in equity and loan loss allowances on hand to cover it. This gives CenTrust Bank, National Association a Texas Ratio of 194.46% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for CenTrust Bank, National Association experienced no significant changes from 171.47% as of December 31, 2012 to 194.46% as of December 31, 2013, resulting in a negative change of 13.41%. This indicates that the balance sheet and financial strength for CenTrust Bank, National Association has had no significant changes in recent periods.

Deposit Growth

GRADE:
F

In the past year, CenTrust Bank, National Association has decreased its total deposits by -$9.81 million, resulting in -15.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CenTrust Bank, National Association has shown is poor.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CenTrust Bank, National Association has $61.94 million in assets with $7.08 million in equity, resulting in a capitalization level of 11.42%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58158
Year Established2006
Employees14
Primary RegulatorOCC
Assets and Liabilities
Assets$61.94 million
Loans$35.38 million
Deposits$54.80 million
Equity Capital$5.98 million
Loan Loss Allowance$1.10 million
Unbacked Noncurrent Loans$7.49 million
Real Estate Owned$6.27 million
Historic Data - December 2012
Assets$73.95 million
Equity Capital$7.56 million
Loan Loss Allowance$3.99 million
Unbacked Noncurrent Loans$7.49 million
Real Estate Owned$11.07 million
Profit Margin - Quarterly
Net Interest Margin2.99%
Return on Assets-2.76%
Return on Equity-27.09%
Interest Income$1.82 million
Rates

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CenTrust Bank, National Association Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$5k-Health Savings Accounts
0.15%--Statement Savings Account

CenTrust Bank, National Association Money Market Rates

DetailsAPYMINMAXPRODUCT
0.50%$100k-Money Market Accounts
0.50%$25k$50kBusiness Money Market Accounts

CenTrust Bank, National Association Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--NOW Checking Account
0.10%--CenTrust Preferred 50 Checking Account

CenTrust Bank, National Association CD Rates

DetailsAPYMINMAXPRODUCT
1.30%$100k-60 Month Business CD
1.30%$100k-60 Month CD
1.15%$100k-48 Month Business CD
1.15%$100k-48 Month CD
0.90%$100k-36 Month Business CD
0.90%$100k-36 Month CD
0.70%$100k-15 Month Business CD Special
0.70%$100k-15 Month CD Special
0.65%$100k-24 Month Business CD
0.65%$100k-24 Month CD
0.55%$100k-9 Month CD Special
0.55%$100k-9 Month Business CD Special
0.50%$100k-18 Month Business CD
0.50%$100k-18 Month CD
0.35%$100k-12 Month Business CD
0.35%$100k-12 Month CD
0.30%$100k-180 Day Business CD
0.30%$100k-180 Day CD
0.20%$100k-60 Day Business CD
0.20%$100k-60 Day CD
0.20%$100k-90 Day Business CD
0.20%$100k-90 Day CD
0.15%$100k-30 Day Business CD
0.15%$100k-30 Day CD

CenTrust Bank, National Association IRA Rates

DetailsAPYMINMAXPRODUCT
1.30%$100k-60 Month IRA (Traditional,Roth)
1.15%$100k-48 Month IRA (Traditional,Roth)
0.90%$100k-36 Month IRA (Traditional,Roth)
0.65%$100k-24 Month IRA (Traditional,Roth)
0.50%$100k-18 Month IRA (Traditional,Roth)
0.35%$100k-12 Month IRA (Traditional,Roth)
0.30%$100k-180 Day IRA (Traditional,Roth)
0.20%$100k-60 Day IRA (Traditional,Roth)
0.20%$100k-90 Day IRA (Traditional,Roth)
0.15%$100k-30 Day IRA (Traditional,Roth)
Locations


CenTrust Bank, National Association Locations
Centrust Bank, National Association385 Waukegan RoadNorthbrook, IL 60062