Eaton National Bank & Trust Co.

Eaton National Bank & Trust Co. Locations

110 West Main Street
Eaton, OH 45320
937-456-5544
www.enbbank.com

OverView
Rates
Health
Reviews

Eaton National Bank & Trust Co. is headquartered in Eaton and is the 96^th largest bank in the state of Ohio. It is also the 3,252^nd largest bank in the nation. It was established in 1892 and as of March of 2012, it had grown to 61 employees at 5 locations. Eaton National Bank & Trust Co.'s savings rates are 44% higher than the national average, and it has a 4-star health rating.

Eaton National Bank & Trust Co. Routing Number: 042205481

Report an Issue

See Rates for: Checking | Savings | CD | IRA

Eaton National Bank & Trust Co. Checking Account Rates

Apy	Min	Max	Product
2.01%	-	$10k	Reward Checking - Qualifying
0.50%	$50k	-	ENB Elite Checking
0.05%	-	$10k	Non Profit Xpress Plus Checking
0.05%	-	$10k	Religious Xpress Plus Checking
0.05%	-	-	Reward Checking - Non Qualifying

Eaton National Bank & Trust Co. Savings Account Rates

Apy	Min	Max	Product
0.75%	-	$10k	Reward Savings - Qualifying
0.55%	$2,500	-	Wealth Builder Savings
0.50%	$50k	-	Variable IRA CD
0.30%	$25k	-	Savings Account
0.05%	-	-	Reward Savings - Non Qualifying

Eaton National Bank & Trust Co. CD Rates

Apy	Min	Max	Product
1.25%	$1k	-	60 Month CD
1.15%	$5k	-	36 Month CD Special
1.00%	$1k	-	48 Month CD
1.00%	$5k	-	24 Month CD Special
0.95%	$1k	-	36 Month CD
0.90%	$1k	-	30 Month CD
0.75%	$1k	-	24 Month CD
0.75%	$5k	-	18 Month CD Special
0.65%	$1k	-	18 Month CD
0.50%	$5k	-	12 Month CD Special
0.40%	$1k	-	12 Month CD
0.15%	$1k	-	6 Month CD

Eaton National Bank & Trust Co. IRA Rates

Apy	Min	Max	Product
1.26%	$250	-	60 Month IRA
1.26%	$250	-	60 Month Roth IRA
1.26%	$250	-	60 Month SEP IRA
1.26%	$250	-	60 Month Keogh
1.15%	$250	-	36 Month IRA Special
1.15%	$250	-	36 Month Roth IRA Special
1.15%	$250	-	36 Month SEP IRA Special
1.15%	$250	-	36 Month Keogh Special
1.00%	$250	-	48 Month IRA
1.00%	$250	-	24 Month IRA Special
1.00%	$250	-	24 Month Roth IRA Special
1.00%	$250	-	48 Month Roth IRA
1.00%	$250	-	24 Month SEP IRA Special
1.00%	$250	-	48 Month SEP IRA
1.00%	$250	-	24 Month Keogh Special
1.00%	$250	-	48 Month Keogh
0.95%	$250	-	36 Month IRA
0.95%	$250	-	36 Month Roth IRA
0.95%	$250	-	36 Month SEP IRA
0.95%	$250	-	36 Month Keogh
0.90%	$250	-	30 Month IRA
0.90%	$250	-	30 Month Roth IRA
0.90%	$250	-	30 Month SEP IRA
0.90%	$250	-	30 Month Keogh
0.75%	$250	-	24 Month IRA
0.75%	$250	-	18 Month IRA Special
0.75%	$250	-	18 Month Roth IRA Special
0.75%	$250	-	24 Month Roth IRA
0.75%	$250	-	18 Month SEP IRA Special
0.75%	$250	-	24 Month SEP IRA
0.75%	$250	-	18 Month Keogh Special
0.75%	$250	-	24 Month Keogh
0.65%	$250	-	18 Month IRA
0.65%	$250	-	18 Month Roth IRA
0.65%	$250	-	18 Month SEP IRA
0.65%	$250	-	18 Month Keogh
0.50%	$250	-	12 Month IRA Special
0.50%	$250	-	12 Month Roth IRA Special
0.50%	$250	-	12 Month SEP IRA Special
0.50%	$250	-	12 Month Keogh Special
0.40%	$250	-	12 Month IRA
0.40%	$250	-	12 Month Roth IRA
0.40%	$250	-	12 Month SEP IRA
0.40%	$250	-	12 Month Keogh

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Eaton National Bank & Trust Co.
FDIC Certificate #	6579
BankRate Report	View
Year Established	1892
Employees	61
Primary Regulator	OCC
Assets and Liabilities
Assets	$189.78 million
Loans	$125.85 million
Deposits	$170.36 million
Equity Capital	$18.09 million
Loan Loss Allowance	$1.91 million
Unbacked Noncurrent Loans	$5.48 million
Real Estate Owned	$67,000
Historic Data - March 2011
Assets	$185.62 million
Equity Capital	$18.02 million
Loan Loss Allowance	$1.94 million
Unbacked Noncurrent Loans	$4.59 million
Real Estate Owned	$3.47 million
Profit Margin - Quarterly
Net Interest Margin	3.59%
Return on Assets	-0.29%
Return on Equity	-2.96%
Interest Income	$1.96 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
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 March 31, 2012 Eaton National Bank & Trust Co. had $5.54 million in non-current loans and owned real-estate with $19.99 million in equity and loan loss allowances on hand to cover it. This gives Eaton National Bank & Trust Co. a Texas Ratio of 27.73% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Eaton National Bank & Trust Co. decreased slightly from 40.40% as of March 31, 2011 to 27.73% as of March 31, 2012, resulting in a positive change of 31.36%.This indicates that the balance sheet and financial strength for Eaton National Bank & Trust Co. has improved slightly in recent periods.
Deposit Growth
In the past year, Eaton National Bank & Trust Co. has increased its total deposits by $3.97 million, resulting in 2.39% 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 Eaton National Bank & Trust Co. has shown is above average.
Capitalization
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. Eaton National Bank & Trust Co. has $189.78 million in assets with $19.99 million in equity, resulting in a capitalization level of 10.53%, which is above average.

No reviews have been left for this bank yet. Be the first to review.