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104 East Broadway
Trenton, IL 62293

Community Bank of Trenton is headquartered in Trenton and is the 390th largest bank in the state of Illinois. It is also the 5,323rd largest bank in the nation. It was established in 1963 and as of March of 2014, it had grown to 15 employees at 1 location. Community Bank of Trenton's savings rates are 92% higher than the national average, and it has a C+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Community Bank of Trenton has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community Bank of Trenton had $1.44 million in non-current loans and owned real-estate with $9.79 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Trenton a Texas Ratio of 14.74% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Bank of Trenton increased slightly from 6.16% as of March 31, 2013 to 14.74% as of March 31, 2014, resulting in a negative change of 139.12%. This indicates that the balance sheet and financial strength for Community Bank of Trenton has declined slightly in recent periods.

Deposit Growth


In the past year, Community Bank of Trenton has decreased its total deposits by -$2.65 million, resulting in -4.08% 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 Community Bank of Trenton has shown is below average.



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. Community Bank of Trenton has $74.8 million in assets with $9.79 million in equity, resulting in a capitalization level of 13.09%, which is excellent.

Institution Statistics

FDIC Certificate #18889
Year Established1963
Primary RegulatorFDIC
Assets and Liabilities
Assets$74.80 million
Loans$46.65 million
Deposits$62.21 million
Equity Capital$8.58 million
Loan Loss Allowance$1.21 million
Unbacked Noncurrent Loans$1.40 million
Real Estate Owned$46,000
Historic Data - March 2013
Assets$76.68 million
Equity Capital$8.97 million
Loan Loss Allowance$1.20 million
Unbacked Noncurrent Loans$1.40 million
Real Estate Owned$148,000
Profit Margin - Quarterly
Net Interest Margin3.39%
Return on Assets0.9%
Return on Equity7.86%
Interest Income$723,000

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Community Bank of Trenton Savings Account Rates

1.00%--Christmas Club
1.00%--Whatever Club
0.30%$25k-Day Out Club
0.20%--Statement Savings
0.20%--Minor Savings

Community Bank of Trenton Money Market Rates

0.50%$100k-Gold Money Market

Community Bank of Trenton Checking Account Rates

2.10%$1k$15kMoolah Checking - Qualifying
0.10%$500-NOW Account
0.10%--Moolah Checking - Non Qualifying

Community Bank of Trenton CD Rates

1.87%$1k-60 Month CD
1.51%$1k-48 Month CD
1.51%$1k-39 Month CD
1.00%$1k-36 Month CD
0.35%$1k-18 Month CD
0.35%$1k-24 Month CD
0.25%$1k-12 Month CD
0.20%$1k-6 Month CD
0.20%$1k-7 Month CD

Community Bank of Trenton IRA Rates

1.86%$1k-60 Month IRA
1.51%$1k-48 Month IRA
1.00%$1k-36 Month IRA
0.35%$1k-18 Month IRA
0.35%$1k-24 Month IRA
0.25%$1k-12 Month IRA

Community Bank of Trenton Locations
Community Bank Of Trenton104 East BroadwayTrenton, IL 62293