St. Martin Bank & Trust Company

St. Martin Bank & Trust Company is headquartered in St. Martinville and is the 36^th largest bank in the state of Louisiana. It is also the 1,923^rd largest bank in the nation. It was established in 1933 and as of September of 2011, it had grown to 111 employees at 11 locations. St. Martin Bank & Trust Company's savings rates are 3X the national average, and it boasts a 5-star health rating.

Related Posts

St. Martin Bank & Trust Company Checking Account Rates

St. Martin Bank & Trust Company Savings Account Rates

Data for Q3 2011

Institution Statistics St. Martin Bank and Trust Company FDIC Certificate # 12610 BankRate Report View Year Established 1933 Employees 111 Primary Regulator FDIC Assets and Liabilities Assets $338.68 million Loans $245.73 million Deposits $272.71 million Equity Capital $42.27 million Loan Loss Allowance $3.95 million Unbacked Noncurrent Loans $4.52 million Real Estate Owned $185,000 Historic Data - September 2010 Assets $316.09 million Equity Capital $38.54 million Loan Loss Allowance $3.67 million Unbacked Noncurrent Loans $5.68 million Real Estate Owned $260,000 Profit Margin - Quarterly Net Interest Margin 5.61% Return on Assets 2.67% Return on Equity 22.55% Interest Income $14.18 million

Institution Health Overall Score: 5 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 September 30, 2011 St. Martin Bank & Trust Company had $4.71 million in non-current loans and owned real-estate with $46.22 million in equity and loan loss allowances on hand to cover it. This gives St. Martin Bank & Trust Company a Texas Ratio of 10.18% 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 St. Martin Bank & Trust Company decreased slightly from 14.10% as of September 30, 2010 to 10.18% as of September 30, 2011, resulting in a positive change of 27.75%.This indicates that the balance sheet and financial strength for St. Martin Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, St. Martin Bank & Trust Company has increased its total deposits by $11.14 million, resulting in 4.26% 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 St. Martin Bank & Trust Company 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. St. Martin Bank & Trust Company has $338.68 million in assets with $46.22 million in equity, resulting in a capitalization level of 13.65%, which is excellent.

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