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Overview / Commentary
5480 Corporate Drive, Suite 350
Troy, MI 48098

Crestmark Bank is headquartered in Troy and is the 22nd largest bank in the state of Michigan. It is also the 1,285th largest bank in the nation. It was established in 1996 and as of March of 2014, it had grown to 218 employees at 1 location. Crestmark Bank has a B+ 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 Crestmark Bank had $9.7 million in non-current loans and owned real-estate with $76.92 million in equity and loan loss allowances on hand to cover it. This gives Crestmark Bank a Texas Ratio of 12.60% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Crestmark Bank experienced no significant changes from 11.22% as of March 31, 2013 to 12.60% as of March 31, 2014, resulting in a negative change of 12.37%. This indicates that the balance sheet and financial strength for Crestmark Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Crestmark Bank has increased its total deposits by $69.91 million, resulting in 18.23% 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 Crestmark 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. Crestmark Bank has $525.89 million in assets with $76.92 million in equity, resulting in a capitalization level of 14.63%, which is excellent.

Institution Statistics

FDIC Certificate #34353
Year Established1996
Primary RegulatorFDIC
Assets and Liabilities
Assets$525.89 million
Loans$433.89 million
Deposits$453.48 million
Equity Capital$65.24 million
Loan Loss Allowance$11.68 million
Unbacked Noncurrent Loans$9.70 million
Real Estate Owned$0
Historic Data - March 2013
Assets$444.36 million
Equity Capital$54.19 million
Loan Loss Allowance$9.22 million
Unbacked Noncurrent Loans$9.70 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin15.7%
Return on Assets2.24%
Return on Equity18.01%
Interest Income$18.01 million
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Crestmark Bank CD Rates

1.70%$25k$250k1825 Day CD
1.70%$25k$250k1825 Day CD - Rollover Rate
1.35%$25k$250k1460 Day CD
1.35%$25k$250k1460 Day CD - Rollover Rate
1.10%$25k$250k1095 Day CD
1.10%$25k$250k1275 Day CD
1.10%$25k$250k1095 Day CD - Rollover Rate
1.10%$25k$250k1275 Day CD - Rollover Rate
0.90%$25k$250k910 Day CD
0.90%$25k$250k910 Day CD - Rollover Rate
0.85%$25k$250k730 Day CD
0.85%$25k$250k730 Day CD - Rollover Rate
0.80%$25k$250k545 Day CD
0.80%$25k$250k545 Day CD - Rollover Rate
0.75%$25k$250k365 Day CD
0.75%$25k$250k365 Day CD - Rollover Rate
0.60%$25k$250k270 Day CD
0.60%$25k$250k270 Day CD - Rollover Rate
0.55%$25k$250k180 Day CD
0.55%$25k$250k180 Day CD - Rollover Rate
0.45%$25k$250k90 Day CD
0.45%$25k$250k90 Day CD - Rollover Rate
0.40%$25k$250k30 Day CD
0.40%$25k$250k60 Day CD
0.40%$25k$250k30 Day CD - Rollover Rate
0.40%$25k$250k60 Day CD - Rollover Rate

Crestmark Bank Locations
Crestmark Bank5480 Corporate Drive, Suite 350Troy, MI 48098