Institution Statistics
| CNLBank | | FDIC Certificate # | 34427 | | BankRate Report | View | | Year Established | 1997 | | Employees | 168 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $1.28 billion | | Loans | $740.60 million | | Deposits | $1.05 billion | | Equity Capital | $114.94 million | | Loan Loss Allowance | $13.41 million | | Unbacked Noncurrent Loans | $26.90 million | | Real Estate Owned | $27.65 million |
Historic Data - December 2011 | | Assets | $1.39 billion | | Equity Capital | $111.23 million | | Loan Loss Allowance | $19.91 million | | Unbacked Noncurrent Loans | $59.82 million | | Real Estate Owned | $36.88 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.62% | | Return on Assets | 0.22% | | Return on Equity | 2.58% | | Interest Income | $52.30 million |
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Institution Health
Overall Score:
3 out of 5 
| Texas Ratio |  | | 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, 2012 CNLBank had $54.55 million in non-current loans and owned real-estate with $128.34 million in equity and loan loss allowances on hand to cover it. This gives CNLBank a Texas Ratio of 42.50% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for CNLBank decreased significantly from 73.73% as of December 31, 2011 to 42.50% as of December 31, 2012, resulting in a positive change of 42.35%.This indicates that the balance sheet and financial strength for CNLBank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, CNLBank has decreased its total deposits by -$108.46 million, resulting in -9.33% 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 CNLBank has shown is poor. | | Capitalization |  | | 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. CNLBank has $1.28 billion in assets with $128.34 million in equity, resulting in a capitalization level of 10.03%, which is above average. |
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Average User Rating:
Custsomer Service
Customer Service, at CNL Bank has went downhill. A lot of turnover in the past 12 months. Most of the good
CSR's have been let go or left the bank. I felt good going to this bank because it felt like they treated us like
family, but I am wanting to find another small bank where they are pleasant or find out where some of the staff went that they let go. Because it does not feel like they place I once knew and it is not pleasant to go to at all.
I do my transactions and leave, or just go through the drive thru.