COMMERCIAL TRUST COMPANY OF FAYETTE

FAYETTE, MO | Small | Est. Jan. 1, 1903, midnight | FDIC #9791 | RSSD #709451 | FDIC
Latest Report: 2025-12-31

COMMERCIAL TRUST COMPANY OF FAYETTE is asn small FDIC-insured commercial bank headquartered in FAYETTE, MO, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $150M and total deposits of $132M. Profitability stands at 1.38% ROA and 13.13% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 10.22%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 2.42%. FDIC Certificate #9791.

Assets

$150M

Deposits

$132M

Loans

$107M

Equity

$16M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 13.13%
Net Interest Margin (NIM) 3.99%
Yield on Assets 5.88%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio -0.01%
Texas Ratio 2.42%
NPA Ratio 0.27%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 10.22%
Tier 1 Capital 10.22%
Total Capital Ratio 10.73%
Leverage Ratio 10.67%
Loan-to-Deposit 80.64%

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