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Overview / Commentary
318-768-3048
3921 Elm Street
Choudrant, LA 71227

Community Trust Bank is headquartered in Choudrant and is the 4th largest bank in the state of Louisiana. It is also the 243rd largest bank in the nation. It was established in 1912 and as of December of 2013, it had grown to 413 employees at 37 locations. Community Trust Bank has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 Community Trust Bank had $24.45 million in non-current loans and owned real-estate with $364.54 million in equity and loan loss allowances on hand to cover it. This gives Community Trust Bank a Texas Ratio of 6.71% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Community Trust Bank experienced no significant changes from 6.34% as of December 31, 2012 to 6.71% as of December 31, 2013, resulting in a negative change of 5.76%. This indicates that the balance sheet and financial strength for Community Trust Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Community Trust Bank has increased its total deposits by $119.81 million, resulting in 4.61% 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 Trust Bank has shown is excellent.

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. Community Trust Bank has $3.2 billion in assets with $364.54 million in equity, resulting in a capitalization level of 11.39%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #12614
Year Established1912
Employees413
Primary RegulatorFED
Assets and Liabilities
Assets$3.20 billion
Loans$2.42 billion
Deposits$2.72 billion
Equity Capital$333.26 million
Loan Loss Allowance$31.28 million
Unbacked Noncurrent Loans$21.93 million
Real Estate Owned$2.52 million
Historic Data - December 2012
Assets$3.08 billion
Equity Capital$334.20 million
Loan Loss Allowance$28.47 million
Unbacked Noncurrent Loans$21.93 million
Real Estate Owned$5.80 million
Profit Margin - Quarterly
Net Interest Margin3.23%
Return on Assets0.72%
Return on Equity6.72%
Interest Income$110.58 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Community Trust Bank, we are a rate comparison website and can not provide official rates or promotions.

Community Trust Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$250k-Business Savings
0.15%$250k-Community Savings
0.01%--Health Savings Account

Community Trust Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$25k-Premium Personal Money Market
0.20%$25k-Commercial Money Market

Community Trust Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.85%-$50kTrust Plus for Business
0.75%-$30kTrust Plus Checking
0.40%$1m-Connect Checking
0.10%--Trust Plus Checking
0.05%--Business Interest Checking

Community Trust Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.60%--24 Month Insured CD
0.60%--24 Month Business Insured CD
0.50%--18 Month Insured CD
0.50%--18 Month Business Insured CD
0.40%--12 Month Insured CD
0.40%--12 Month Business Insured CD
0.20%--6 Month Insured CD
0.20%--6 Month Business Insured CD
Locations

Community Trust Bank has 35 locations. Click to view all Community Trust Bank locations.