Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
301 S. Main Street
St. Martinville, LA 70582

St. Martin Bank & Trust Company is headquartered in St. Martinville and is the 26th largest bank in the state of Louisiana. It is also the 1,468th largest bank in the nation. It was established in 1933 and as of June of 2014, it had grown to 115 employees at 11 locations. St. Martin Bank & Trust Company's savings rates are 2X the national average, and it boasts a A+ health rating.

Related Posts

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


Data for Q2 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 June 30, 2014 St. Martin Bank & Trust Company had $3.85 million in non-current loans and owned real-estate with $52.42 million in equity and loan loss allowances on hand to cover it. This gives St. Martin Bank & Trust Company a Texas Ratio of 7.34% which is excellent. 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 9.00% as of June 30, 2013 to 7.34% as of June 30, 2014, resulting in a positive change of 18.46%.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 $53.62 million, resulting in 15.83% 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.



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 $459.67 million in assets with $52.42 million in equity, resulting in a capitalization level of 11.40%, which is excellent.

Institution Statistics

FDIC Certificate #12610
Year Established1933
Primary RegulatorFDIC
Assets and Liabilities
Assets$459.67 million
Loans$347.48 million
Deposits$392.39 million
Equity Capital$48.62 million
Loan Loss Allowance$3.81 million
Unbacked Noncurrent Loans$3.46 million
Real Estate Owned$390,000
Historic Data - June 2013
Assets$411.98 million
Equity Capital$44.28 million
Loan Loss Allowance$3.77 million
Unbacked Noncurrent Loans$3.46 million
Real Estate Owned$95,000
Profit Margin - Quarterly
Return on Assets2.71%
Return on Equity25.62%
Interest Income$11.35 million
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not St. Martin Bank & Trust Company, we are a rate comparison website and can not provide official rates or promotions.

St. Martin Bank & Trust Company Savings Account Rates

1.26%-$15kKasasa Saver - Qualifying
0.05%--Kasasa Saver - Non Qualifying

St. Martin Bank & Trust Company Checking Account Rates

3.26%-$10kKasasa Cash - Qualifying
0.05%--Kasasa Cash - Non Qualifying

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