Commercial Bank and Trust

Commercial Bank and Trust Locations
101 North Poplar St.
Paris, TN 38242
1-800-273-8889
www.cbtcnet.com

FDIC

Commercial Bank and Trust is headquartered in Paris and is the 20th largest bank in the state of Tennessee. It is also the 978th largest bank in the nation. It was established in 1877 and as of December of 2012, it had grown to 164 employees at 12 locations. Commercial Bank and Trust has a 4-star health rating.

Related Posts

Commercial Bank And Trust (3.09%,$15K) To (2.07%, $15K) (Forum) - 10/27/2012

Disappointing drop. 

Both Rate And Cap Decrease (Forum) - 6/16/2011

Just checked the statement today and was shocked by 2 findings: 1. The rate we earned for the month just closed was 3.77% instead of the 4.09%.  This was not communicated anywhere (they usually post on the statement but not for this drop). - V

More Reviews of Top Reward Checking Accounts - 1/20/2011

Last Friday I reviewed four top reward checking accounts that not only have top rates but are also available in large populated areas. I did some more searching, and I have some additional ones. Rewar ...

High-Yield Reward Checking Account at Commercial Bank and Trust Company in TN - Local Only - 12/3/2010

Commercial Bank and Trust Company is offering a reward checking account called Choice Checking with a rate that's currently much better than what you can get from nationally available reward checking ...



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Commercial Bank and Trust Checking Account Rates

ApyMinMaxProduct
2.07%-$15kChoice Checking

Rates updated: 5/21/2013

Data for Q4 2012


Institution Statistics


Commercial Bank & Trust Co.
FDIC Certificate #8660
BankRate ReportView
Year Established1877
Employees164
Primary RegulatorFDIC

Assets and Liabilities

Assets$683.07 million
Loans$432.79 million
Deposits$594.66 million
Equity Capital$71.39 million
Loan Loss Allowance$5.78 million
Unbacked Noncurrent Loans$5.78 million
Real Estate Owned$2.39 million

Historic Data - December 2011

Assets$642.24 million
Equity Capital$66.35 million
Loan Loss Allowance$7.90 million
Unbacked Noncurrent Loans$3.14 million
Real Estate Owned$873,000

Profit Margin - Quarterly

Net Interest Margin3.73%
Return on Assets1.26%
Return on Equity12.06%
Interest Income$26.64 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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 Commercial Bank and Trust had $8.16 million in non-current loans and owned real-estate with $77.17 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank and Trust a Texas Ratio of 10.58% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for Commercial Bank and Trust increased slightly from 5.41% as of December 31, 2011 to 10.58% as of December 31, 2012, resulting in a negative change of 95.64%. This indicates that the balance sheet and financial strength for Commercial Bank and Trust has declined slightly in recent periods.
Deposit Growth5
In the past year, Commercial Bank and Trust has increased its total deposits by $37.88 million, resulting in 6.8% 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 Commercial Bank and Trust has shown is excellent.
Capitalization4
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. Commercial Bank and Trust has $683.07 million in assets with $77.17 million in equity, resulting in a capitalization level of 11.30%, which is above average.
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