Community Bank of Tri-County

Community Bank of Tri-County Locations
3035 Leonardtown Road
Waldorf, MD 20601
301.645.5601
www.cbtc.com

FDIC

Community Bank of Tri-County is headquartered in Waldorf and is the 6th largest bank in the state of Maryland. It is also the 682nd largest bank in the nation. It was established in 1950 and as of March of 2013, it had grown to 163 employees at 11 locations. Community Bank of Tri-County has a 3-star health rating.

Related Posts

New Maryland 22-Month CD Special Rate at Community Bank of Tri-County - Local Only - 6/27/2011

Community Bank of Tri-County has just changed its CD specials. It's now offering a very competitive 22-month CD with a 2.22% APY. The special 18-month CD rate has fallen, but it remains competitive at ...

High 18-Month CD Rate at Community Bank of Tri-County in Maryland - Local Only - 5/16/2011

Community Bank of Tri-County just increased the rate on its 18-month CD, and it's now 50 basis points higher than the best nationally available 18-month CD. The new rate is 2.05% APY. Minimum deposit ...

Competitive CD Rates at Community Bank of Tri-County in Maryland - Local Only - 4/5/2011

Community Bank of Tri-County continues to offer some competitive CD rates, but the best rates have changed since last July when I reviewed this credit union. The current best rates include a 1.55% APY ...

Competitive 13-Month Penalty-Free CD at Community Bank of Tri-County in Maryland - Local Only - 7/21/2010

Community Bank of Tri-County is offering a 13-month special CD with a 1.70% APY. It has a no-penalty feature that allows a one-time penalty free withdrawal which can come in handy if interest rates ri ...

2010




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See Rates for: Savings | CD | IRA

Community Bank of Tri-County Savings Account Rates

ApyMinMaxProduct
0.15%--Business Statement Savings
0.10%--Christmas Club
0.10%--Kids Club Account
0.10%--Spirit Savings
0.10%--Statement Savings

Community Bank of Tri-County CD Rates

ApyMinMaxProduct
1.01%$500-21 Month CD
1.01%$500-Business 21 Month CD
1.00%$500-60 Month CD
1.00%$500-Business 60 Month CD
0.80%$500-30 Month CD One Time Bump Up Rate
0.80%$500-Business 30 Month CD One Time Bump Up Rate
0.60%$500-13 Month CD 1 Time Penalty Free
0.60%$500-48 Month CD
0.60%$500-Business 13 Month CD 1 Time Penalty Free
0.60%$500-Business 48 Month CD
0.45%$500-36 Month CD
0.45%$500-Business 36 Month CD
0.35%$500-24 Month CD
0.35%$500-25 Month Choice CD
0.35%$500-Business 24 Month CD
0.35%$500-Business 25 Month Choice CD
0.30%$500-15 Month CD
0.30%$500-18 Month CD
0.30%$500-22 Month CD
0.30%$500-Business 15 Month CD
0.30%$500-Business 18 Month CD
0.30%$500-Business 22 Month CD
0.25%$500-16 Month Choice CD
0.25%$500-Business 16 Month Choice CD
0.20%$2,500-9 Month CD
0.20%$500-11 Month CD
0.20%$500-12 Month CD
0.20%$2,500-Business 9 Month CD
0.20%$500-Business 11 Month CD
0.20%$500-Business 12 Month CD
0.15%$2,500-6 Month CD
0.15%$2,500-Business 6 Month CD
0.10%$500-2 Month CD
0.10%$5k-4 Month CD
0.10%$500-Business 2 Month CD
0.10%$5k-Business 4 Month CD

Community Bank of Tri-County IRA Rates

ApyMinMaxProduct
1.01%$500-21 Month IRA
1.00%$500-60 Month IRA
0.80%$500-30 Month IRA One Time Bump Up Rate
0.60%$500-13 Month IRA 1 Time Penalty Free
0.60%$500-48 Month IRA
0.45%$500-36 Month IRA
0.35%$500-24 Month IRA
0.35%$500-25 Month Choice IRA
0.30%$500-15 Month IRA
0.30%--18 Month Add-On IRA
0.30%$500-18 Month IRA
0.30%$500-22 Month IRA
0.25%$500-16 Month Choice IRA
0.20%$2,500-9 Month IRA
0.20%$500-11 Month IRA
0.20%$500-12 Month IRA
0.15%$2,500-6 Month IRA
0.10%$500-2 Month IRA
0.10%$5k-4 Month IRA

Rates updated: 6/19/2013

Data for Q1 2013


Institution Statistics


Community Bank of Tri-County
FDIC Certificate #30903
BankRate ReportView
Year Established1950
Employees163
Primary RegulatorFED

Assets and Liabilities

Assets$966.42 million
Loans$734.92 million
Deposits$797.67 million
Equity Capital$90.42 million
Loan Loss Allowance$8.35 million
Unbacked Noncurrent Loans$13.87 million
Real Estate Owned$6.95 million

Historic Data - March 2012

Assets$965.17 million
Equity Capital$84.59 million
Loan Loss Allowance$7.92 million
Unbacked Noncurrent Loans$12.09 million
Real Estate Owned$4.47 million

Profit Margin - Quarterly

Net Interest Margin3.55%
Return on Assets0.78%
Return on Equity8.48%
Interest Income$10.00 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio3
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 March 31, 2013 Community Bank of Tri-County had $20.82 million in non-current loans and owned real-estate with $98.77 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Tri-County a Texas Ratio of 21.08% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Community Bank of Tri-County held steady from 17.90% as of March 31, 2012 to 21.08% as of March 31, 2013, resulting in a negative change of 17.73%. This indicates that the balance sheet and financial strength for Community Bank of Tri-County has held steady in recent periods.
Deposit Growth3
In the past year, Community Bank of Tri-County has decreased its total deposits by -$7.86 million, resulting in -0.98% 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 Tri-County has shown is average.
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. Community Bank of Tri-County has $966.42 million in assets with $98.77 million in equity, resulting in a capitalization level of 10.22%, which is above average.
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