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337-394-7800
301 S. Main Street
St. Martinville, LA 70582

St. Martin Bank & Trust Company is headquartered in St. Martinville and is the 30th largest bank in the state of Louisiana. It is also the 1,582nd largest bank in the nation. It was established in 1933 and as of December of 2013, it had grown to 113 employees at 11 locations. St. Martin Bank & Trust Company's savings rates are 2X the national average, and it has a A health rating.

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Kasasa Cash and Saver Accounts at St. Martin Bank & Trust in Louisiana - 7/2/2013

It has been just over five years since my first review of the reward checking account at St. Martin Bank & Trust . As you might have expected, the rate and balance cap have fallen, but the reward chec ...



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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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, 2013 St. Martin Bank & Trust Company had $3.77 million in non-current loans and owned real-estate with $47.98 million in equity and loan loss allowances on hand to cover it. This gives St. Martin Bank & Trust Company a Texas Ratio of 7.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for St. Martin Bank & Trust Company decreased slightly from 9.40% as of December 31, 2012 to 7.85% as of December 31, 2013, resulting in a positive change of 16.46%.This indicates that the balance sheet and financial strength for St. Martin Bank & Trust Company has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, St. Martin Bank & Trust Company has increased its total deposits by $15.76 million, resulting in 4.76% 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 excellent.

Capitalization

GRADE:
A

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 $422.45 million in assets with $47.98 million in equity, resulting in a capitalization level of 11.36%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #12610
Year Established1933
Employees113
Primary RegulatorFDIC
Assets and Liabilities
Assets$422.45 million
Loans$308.90 million
Deposits$347.24 million
Equity Capital$44.45 million
Loan Loss Allowance$3.52 million
Unbacked Noncurrent Loans$3.18 million
Real Estate Owned$590,000
Historic Data - December 2012
Assets$401.60 million
Equity Capital$42.37 million
Loan Loss Allowance$3.65 million
Unbacked Noncurrent Loans$3.18 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.19%
Return on Assets2.55%
Return on Equity23.82%
Interest Income$21.48 million
Rates
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St. Martin Bank & Trust Company Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.26%-$15kKasasa Savings
0.05%--Kasasa Savings

St. Martin Bank & Trust Company Checking Account Rates

DetailsAPYMINMAXPRODUCT
3.26%-$10kKasasa Cash
0.05%--Kasasa Cash
Locations

St. Martin Bank & Trust Company has 11 locations. Click to view all St. Martin Bank & Trust Company locations.