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3921 Elm Street
Choudrant, LA 71227

Community Trust Bank is headquartered in Choudrant and is the 3rd largest bank in the state of Louisiana. It is also the 246th largest bank in the nation. It was established in 1912 and as of March of 2014, it had grown to 400 employees at 38 locations. Community Trust Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


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 Trust Bank had $23.84 million in non-current loans and owned real-estate with $373.81 million in equity and loan loss allowances on hand to cover it. This gives Community Trust Bank a Texas Ratio of 6.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Trust Bank experienced no significant changes from 6.29% as of March 31, 2013 to 6.38% as of March 31, 2014, resulting in a negative change of 1.45%. This indicates that the balance sheet and financial strength for Community Trust Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Community Trust Bank has increased its total deposits by $173.89 million, resulting in 6.86% 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.



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 $373.81 million in equity, resulting in a capitalization level of 11.68%, which is excellent.

Institution Statistics

FDIC Certificate #12614
Year Established1912
Primary RegulatorFED
Assets and Liabilities
Assets$3.20 billion
Loans$2.51 billion
Deposits$2.71 billion
Equity Capital$340.49 million
Loan Loss Allowance$33.32 million
Unbacked Noncurrent Loans$20.96 million
Real Estate Owned$2.89 million
Historic Data - March 2013
Assets$3.01 billion
Equity Capital$338.54 million
Loan Loss Allowance$30.61 million
Unbacked Noncurrent Loans$20.96 million
Real Estate Owned$8.34 million
Profit Margin - Quarterly
Net Interest Margin3.35%
Return on Assets0.68%
Return on Equity6.45%
Interest Income$28.17 million

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Community Trust Bank Savings Account Rates

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

Community Trust Bank Money Market Rates

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

Community Trust Bank Checking Account Rates

0.85%-$50kTrust Plus for Business
0.40%$1m-Connect Checking
0.05%--Business Interest Checking

Community Trust Bank CD Rates

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

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