1 star ratingAverage User Rating:
1 star rating based on 1 review.

CoreFirst Bank & Trust

CoreFirst Bank & Trust Locations
3035 South Topeka Avenue
Topeka, KS 66611
(785) 267-8900
www.cbtks.com

FDIC


CoreFirst Bank & Trust is headquartered in Topeka and is the 8th largest bank in the state of Kansas. It is also the 642nd largest bank in the nation. It was established in 1959 and as of December of 2012, it had grown to 327 employees at 29 locations. CoreFirst Bank & Trust has a 1-star health rating.

CoreFirst Bank & Trust Routing Number: 101100728

Related Posts

$150 Checking & Money Market Bonus at CoreFirst Bank & Trust in Kansas City - Local Only - 9/26/2011

CoreFirst Bank & Trust is advertising a nice checking and money market account promotion called Checking Incentives. You can earn a bonus of up to $150 for opening its reward checking and money market ...

High-Yield Reward Checking Account at CoreFirst Bank & Trust - Local Only - 10/18/2009

CoreFirst Bank & Trust is offering a high-yield reward checking account with the following rates and features if certain monthly requirements are met:3.04% APY on balances up to $25,0000.10% on portion of balance over $25,0000.10% on all balances if...

Checking Account Bonus up to $150 at CoreFirst Bank & Trust in Colorado - Local Only - 8/16/2009

CoreFirst Bank & Trust is offering up to $150 for opening an account with the bank's Incentive Checking Program. This promotion doesn't appear to be listed on the bank's website. It was advertised in the 8/16/09 edition of the Denver Post. The ad is...

3.25% 7-Month CD at CoreFirst Bank & Trust in Kansas City - Local Only - 6/18/2009

CoreFirst Bank & Trust has a hot CD promotion at its Kansas City branch. They're offering a 3.25% APY 7-month CD. Minimum deposit is $5,000. There's no maximum, and there's no checking requirement. This special isn't listed at the bank's website. A...

2009




See Rates for: Checking | Savings | Money Market | CD | IRA

CoreFirst Bank & Trust Checking Account Rates

ApyMinMaxProduct
0.65%-$25kRewards Checking
0.01%$20k-Platinum Plus
0.01%--Premier 5000
0.01%--Advantage Checking
0.01%--Charter Checking
0.01%$100-Commercial Now

CoreFirst Bank & Trust Savings Account Rates

ApyMinMaxProduct
0.01%$200-Statement Savings
0.01%$200-Business Savings

CoreFirst Bank & Trust Money Market Rates

ApyMinMaxProduct
0.05%--Money Market One
0.05%--Money Market Preferred Plus
0.05%--Platinum Money Market
0.05%--Money Market Supreme
0.05%--Business Money Market

CoreFirst Bank & Trust CD Rates

ApyMinMaxProduct
0.80%$1k-5 Year CD
0.80%$1k-Business 5 Year CD
0.70%$1k-4 Year CD
0.70%$1k-Business 4 Year CD
0.55%$1k-3 Year CD
0.55%$1k-Business 3 Year CD
0.50%$1k-32 Month Option CD
0.50%$1k-Business 32 Month Option CD
0.40%$1k-2.5 Year CD
0.40%$1k-Business 2.5 Year CD
0.30%$1k-2 Year CD
0.30%$1k-Business 2 Year CD
0.20%$1k-1.5 Year CD
0.20%$1k-Business 1.5 Year CD
0.15%$1k-1 Year CD
0.15%$1k-Business 1 Year CD
0.10%$1k-6 Month CD
0.10%$1k-8 Month CD
0.10%$1k-9 Month CD
0.10%$1k-11 Month CD
0.10%$1k-Business 6 Month CD
0.10%$1k-Business 8 Month CD
0.10%$1k-Business 9 Month CD
0.01%$1k-1 Month CD
0.01%$1k-2 Month CD
0.01%$1k-3 Month CD
0.01%$1k-Business 1 Month CD
0.01%$1k-Business 2 Month CD
0.01%$1k-Business 3 Month CD

CoreFirst Bank & Trust IRA Rates

ApyMinMaxProduct
0.80%$1k-5 Year IRA
0.70%$1k-4 Year IRA
0.55%$1k-3 Year IRA
0.50%$1k-32 Month Option IRA
0.40%$1k-2.5 Year IRA
0.30%$1k-2 Year IRA
0.20%$1k-1.5 Year IRA
0.15%$1k-1 Year IRA
0.10%$1k-6 Month IRA
0.10%$1k-8 Month IRA
0.10%$1k-9 Month IRA
0.10%$1k-11 Month IRA
0.01%$1k-1 Month IRA
0.01%$1k-2 Month IRA
0.01%$1k-3 Month IRA

Rates updated: 5/23/2013

Data for Q4 2012


Institution Statistics


CoreFirst Bank & Trust
FDIC Certificate #18100
BankRate ReportView
Year Established1959
Employees327
Primary RegulatorFDIC

Assets and Liabilities

Assets$1.03 billion
Loans$518.24 million
Deposits$738.92 million
Equity Capital$81.96 million
Loan Loss Allowance$16.20 million
Unbacked Noncurrent Loans$59.37 million
Real Estate Owned$28.80 million

Historic Data - December 2011

Assets$1.15 billion
Equity Capital$106.42 million
Loan Loss Allowance$11.15 million
Unbacked Noncurrent Loans$30.16 million
Real Estate Owned$14.69 million

Profit Margin - Quarterly

Net Interest Margin2.81%
Return on Assets-2.08%
Return on Equity-24.31%
Interest Income$36.15 million

Institution Health


Overall Score:
1 out of 5
1
Texas Ratio1
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 CoreFirst Bank & Trust had $88.16 million in non-current loans and owned real-estate with $98.16 million in equity and loan loss allowances on hand to cover it. This gives CoreFirst Bank & Trust a Texas Ratio of 89.81% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for CoreFirst Bank & Trust increased slightly from 38.14% as of December 31, 2011 to 89.81% as of December 31, 2012, resulting in a negative change of 135.45%. This indicates that the balance sheet and financial strength for CoreFirst Bank & Trust has declined slightly in recent periods.
Deposit Growth1
In the past year, CoreFirst Bank & Trust has decreased its total deposits by -$72.84 million, resulting in -8.97% 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 CoreFirst Bank & Trust has shown is poor.
Capitalization3
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. CoreFirst Bank & Trust has $1.03 billion in assets with $98.16 million in equity, resulting in a capitalization level of 9.52%, which is average.
Write Review

Gone Downhill, Bad Service.
1 stars - ksgirl38 - Friday, December 14, 2012 - 12:31 PM

I had accounts with this bank for over 20 years.  When I moved to a larger city where there weren't any branches I kept the account open until they opened branches in my new city and then they became my primary bank again.  Unfortunately the service wasn't as good.  My nearest branch was closed on Saturdays.  I once went in to ask for a new check register and the associate did not know what that was.  The associates at the bank did not know how to cash out my CDs and did so incorrectly.  I had both a checking and savings at this bank and they were to transfer money from my savings to cover any checks and did not so instead I got slapped with numberous fees.  My checking account didn't get any interest so I tended to keep most of my money in savings until needed.  They failed to put a stop payment on a check as I requested and then charged me several fees on the same transaction.   Then when I went to close out the account they told me I couldn't due to one of their errors.  Sadly after more than 20 years there I took my business elsewhere.

1