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Community Bank and Trust of Florida

Popular Accounts at this Bank

1.80%5-year CD5 Year CD
0.30%1-year CD1 Year CD
1.40%4-year CD4 Year CD

Overview / Commentary
1603 Southwest 19th Avenue
Ocala, FL 34471

Community Bank and Trust of Florida is headquartered in Ocala and is the 30th largest bank in the state of Florida. It is also the 1,033rd largest bank in the nation. It was established in 1998 and as of September of 2017, it had grown to 132 employees at 11 locations. Community Bank and Trust of Florida has an A health rating.

Reviews (2)

Community Banking

I've been with Community Bank and Trust of Florida for almost 5 years now. I've had previous accounts with large banks like Wells Fargo and Bank of America. I find the customer service with my local bank to be far superior to any of the experiences I had with the large banks. One time I purchased a product on Amazon and somehow Amazon tried to charge my account 3 times for the 1 purchase. I was able to call my bank,explain the situation and the resolved my issue immediately over the phone without me ever even having to contact amazon at all! It was the easiest and most convenient experience I've ever had with a bank. In addition to that situation my banks fees and account requirements are significantly lower than with the large banks. I believe the only possible drawback I could see is if I were to move away and not have access to a local branch. Otherwise as long as I live in my current area I will continue to be a customer of Community Bank and Trust of Florida!

Great bank, great community

I have been banking with them since I was fifteen. They have wonderful customer service. I had an issue with one of my paychecks not entering in, and they resolved in within ten minutes. No lines, quick access to people if you have questions or need to set up something with your account. Very friendly staff, and they just seem to always have the answers. They send out statements and give you information about what's going on with your money, or how they are trying to improve their business and yours. Just a great bank. I hear people having issues with other, bigger banks and I am glad that with this bank I don't deal with any of that myself. If I continue to live in the area that I am currently at, I will always have a bank account with them as long as they continue to keep their values.


Health Grade Components

FDIC Certificate #34683
Year Established1998
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD9.5%
Annual Interest Income$16.2MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$729.5MM$679.9MM
LoansQ3 2017vs Q3 2016$270.0MM$264.9MM
DepositsQ3 2017vs Q3 2016$665.2MM$618.1MM
Equity CapitalQ3 2017vs Q3 2016$61.6MM$59.2MM
Loan Loss AllowanceQ3 2017vs Q3 2016$4.2MM$4.3MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$204.00K$1.6MM
Real Estate OwnedQ3 2017vs Q3 2016$0$209.00K
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Community Bank and Trust of Florida CD Rates

1.80%$3k-5 Year CD
1.40%$3k-4 Year CD
1.05%$3k-3 Year CD
0.70%$3k-30 Month CD
0.65%$25k-28 Month Rate Protection CD
0.60%$3k-2 Year CD
0.30%$3k-1 Year CD
0.25%$3k-180 Day CD
0.20%$3k-90 Day CD