Community Bank and Trust Reviews and Rates

Community Bank and Trust

Overview / Commentary

334-738-5322

202 North Powell Street
Union Springs, AL 36089

Community Bank and Trust is headquartered in UNION SPRINGS and is the 90^th largest bank in the state of Alabama. It is also the 4,200^th largest bank in the nation. It was established in 1990 and as of June of 2024, it had grown to 19 employees at 1 location. Community Bank and Trust's money market rates are 9X the national average, and it has a B health rating.

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Health

Data as of Q2 2024

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Community Bank and Trust has a relatively low asset base, and a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #	32968
Year Established	1990
Employees	19
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-3.13%
Return on Equity - YTD	-26.6%
Annual Interest Income	$1.4MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$61.1MM$45.3MM
Loans	Q2 2024vs Q2 2023	$15.4MM$16.2MM
Deposits	Q2 2024vs Q2 2023	$50.7MM$45.4MM
Equity Capital	Q2 2024vs Q2 2023	$10MM($208,000)
Loan Loss Allowance	Q2 2024vs Q2 2023	$982K$934K
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$495K$354K
Real Estate Owned	Q2 2024vs Q2 2023	$0$62K

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Bank and Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$100	-	Consumer Savings

Community Bank and Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.07%^*	$500k^*	-	Consumer Money Market
OTHER TIERS: 2.02% → $0 - $50k \| 2.53% → $50k - $100k \| 3.05% → $100k - $250k \| 3.56% → $250k - $500k

Community Bank and Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%^*	$25k^*	-	Preferred Interest Checking
OTHER TIERS: 0.10% → $0 - $1.5k \| 0.50% → $1.5k - $5k \| 0.75% → $5k - $25k
0.10%	$100	-	Golden Apple Banking

Community Bank and Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.28%	$500	-	6 Month CD
5.13%	$500	-	12 Month CD
4.34%	$500	-	24 Month CD
4.24%	$500	-	36 Month CD
4.16%	$500	-	48 Month CD
4.06%	$500	-	60 Month CD

Locations

Community Bank and Trust Locations
Community Bank and Trust - Alabama	202 Powell St N	Union Springs, AL 36089

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