Crescent Bank & Trust LA

Crescent Bank & Trust LA Locations
1100 Poydras Street
New Orleans, LA 70163
(504) 556-5950
www.cbtno.com

Crescent Bank & Trust LA is headquartered in New Orleans and is the 18st largest bank in the state of Louisiana. It is also the 1,096th largest bank in the nation. It was established in 1991 and as of September of 2011, it had grown to 455 employees at 27 locations. Crescent Bank & Trust LA has a 5-star health rating.

Related Posts

2.40% 18-Month CD & 3.40% 44-Month CD at Crescent Bank & Trust in Louisiana - Local Only - 1/8/2010

Crescent Bank & Trust has several competitive CD rates. There are five CD specials, but many of its standard CDs are actually more competitive. These include a 2% APY 12-month CD, a 2.40% APY 18-month CD and a 3.15% APY 36-month CD. Minimum deposit...

4.00% 9-Month CD, 4.10% 15-Month CD and Other CD Specials at Crescent Bank & Trust in Louisiana - 1/7/2009

Update 1/20/2009: These special CD rates have fallen. Please check the bank's website for the latest rates.Crescent Bank & Trust continues to offer some attractive CD specials. They're down from my November post, but they're still very competitive....

4.65% 15-Month / 5.00% 44-Month CD at Crescent Bank & Trust in Louisiana - 11/19/2008

Crescent Bank & Trust continues to offer some competitive CD specials. In fact, the specials have improved since my last post on this bank. The most competitive one is the 15-month CD with a yield of 4.65% APY. The others include a 4.16% APY 9-month...

5.00% 44-Month CD at Crescent Bank & Trust in Louisiana - 9/18/2008

Crescent Bank & Trust has some competitive CD specials. The most competitive are the longer term CDs: 5.00% APY 44-month, 4.75% APY 37-month and 4.50% APY 25-month. The minimum deposit is $5,000.It appears a branch visit may be required to open an...



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See Rates for: CD | IRA

Crescent Bank & Trust LA CD Rates

ApyMinMaxProduct
2.50%$1k-60 Month CD
2.25%$1k-48 Month CD
2.25%$5k-44 Month CD Special
2.20%$5k-37 Month CD Special
2.15%$5k-35 Month CD Special
2.00%$1k-36 Month CD
1.10%$1k-30 Month CD
0.90%$5k-25 Month CD Special
0.85%$1k-24 Month CD
0.85%$5k-9 Month CD Special
0.70%$1k-18 Month CD
0.60%$5k-15 Month CD Special
0.50%$1k-12 Month CD
0.30%$1k-6 Month CD
0.25%$1k-1 Month CD
0.25%$1k-3 Month CD

Crescent Bank & Trust LA IRA Rates

ApyMinMaxProduct
2.50%$1k-60 Month IRA
2.25%$5k-44 Month IRA Special
2.25%$1k-48 Month IRA
2.20%$5k-37 Month IRA Special
2.15%$5k-35 Month IRA Special
2.00%$1k-36 Month IRA
1.10%$1k-30 Month IRA
0.90%$5k-25 Month IRA Special
0.85%$5k-9 Month IRA Special
0.85%$1k-24 Month IRA
0.70%$1k-18 Month IRA
0.60%$5k-15 Month IRA Special
0.50%$1k-12 Month IRA
0.30%$1k-6 Month IRA
0.25%$1k-1 Month IRA
0.25%$1k-3 Month IRA

Rates updated: 2/9/2012

Data for Q3 2011


Institution Statistics


Crescent Bank & Trust
FDIC Certificate #33492
BankRate ReportView
Year Established1991
Employees455
Primary RegulatorFDIC

Assets and Liabilities

Assets$605.50 million
Loans$505.69 million
Deposits$522.89 million
Equity Capital$69.29 million
Loan Loss Allowance$19.74 million
Unbacked Noncurrent Loans$4.96 million
Real Estate Owned$639,000

Historic Data - September 2010

Assets$593.79 million
Equity Capital$65.31 million
Loan Loss Allowance$17.96 million
Unbacked Noncurrent Loans$9.54 million

Profit Margin - Quarterly

Net Interest Margin12.16%
Return on Assets2.2%
Return on Equity18.69%
Interest Income$61.17 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 September 30, 2011 Crescent Bank & Trust LA had $5.6 million in non-current loans and owned real-estate with $89.02 million in equity and loan loss allowances on hand to cover it. This gives Crescent Bank & Trust LA a Texas Ratio of 6.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Crescent Bank & Trust LA decreased significantly from 11.46% as of September 30, 2010 to 6.29% as of September 30, 2011, resulting in a positive change of 45.13%.This indicates that the balance sheet and financial strength for Crescent Bank & Trust LA has improved significantly in recent periods.
Deposit Growth4
In the past year, Crescent Bank & Trust LA has increased its total deposits by $8.42 million, resulting in 1.64% 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 Crescent Bank & Trust LA has shown is above average.
Capitalization5
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. Crescent Bank & Trust LA has $605.5 million in assets with $89.02 million in equity, resulting in a capitalization level of 14.70%, which is excellent.
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