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877-279-1300
150 Butterfield Road
Elmhurst, IL 60126

Suburban Bank and Trust is headquartered in Elmhurst and is the 83rd largest bank in the state of Illinois. It is also the 1,374th largest bank in the nation. It was established in 1971 and as of March of 2014, it had grown to 118 employees at 11 locations. Suburban Bank and Trust has a C+ health rating.

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Health

Data for Q1 2014

Institution Health

C+

Texas Ratio

GRADE:
C

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 Suburban Bank and Trust had $18.12 million in non-current loans and owned real-estate with $44.31 million in equity and loan loss allowances on hand to cover it. This gives Suburban Bank and Trust a Texas Ratio of 40.89% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Suburban Bank and Trust decreased slightly from 51.21% as of March 31, 2013 to 40.89% as of March 31, 2014, resulting in a positive change of 20.15%.This indicates that the balance sheet and financial strength for Suburban Bank and Trust has improved slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Suburban Bank and Trust has decreased its total deposits by -$23.18 million, resulting in -5.02% 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 Suburban Bank and Trust has shown is below average.

Capitalization

GRADE:
C+

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. Suburban Bank and Trust has $490.59 million in assets with $44.31 million in equity, resulting in a capitalization level of 9.03%, which is average.

Institution Statistics

Overall
FDIC Certificate #20443
Year Established1971
Employees118
Primary RegulatorFDIC
Assets and Liabilities
Assets$490.59 million
Loans$285.39 million
Deposits$438.20 million
Equity Capital$36.51 million
Loan Loss Allowance$7.80 million
Unbacked Noncurrent Loans$8.01 million
Real Estate Owned$10.11 million
Historic Data - March 2013
Assets$531.88 million
Equity Capital$41.96 million
Loan Loss Allowance$10.25 million
Unbacked Noncurrent Loans$8.01 million
Real Estate Owned$14.64 million
Profit Margin - Quarterly
Net Interest Margin3.67%
Return on Assets-0.35%
Return on Equity-4.75%
Interest Income$4.53 million
Rates
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Suburban Bank and Trust CD Rates

DetailsAPYMINMAXPRODUCT
0.85%$1k-36 Month CD
0.65%$1k-30 Month CD
0.55%$1k-24 Month CD
0.40%$1k-18 Month CD
0.30%$1k-12 Month CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

Suburban Bank and Trust IRA Rates

DetailsAPYMINMAXPRODUCT
0.85%$1k-36 Month IRA
0.65%$1k-30 Month IRA
0.55%$1k-24 Month IRA
0.40%$1k-18 Month IRA
0.30%$1k-12 Month IRA
0.15%$1k-6 Month IRA
0.10%$1k-3 Month IRA
Locations

Suburban Bank and Trust has 11 locations. Click to view all Suburban Bank and Trust locations.