Salisbury Bank and Trust Company
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Salisbury Bank and Trust Company Locations
Deposit Rates - May 25, 2022
SAVINGS RATES | APY | MIN | |
---|---|---|---|
Savings
|
0.08% | $2,500 | Compare |
CD RATES | APY | MIN | |
---|---|---|---|
6 Mo CD
|
0.25% | $10,000 | Compare |
6 Mo CD
|
0.25% | $100,000 | Compare |
12 Mo CD
|
0.25% | $10,000 | Compare |
12 Mo CD
|
0.25% | $100,000 | Compare |
18 Mo CD
|
0.30% | $10,000 | Compare |
18 Mo CD
|
0.30% | $100,000 | Compare |
24 Mo CD
|
0.45% | $10,000 | Compare |
24 Mo CD
|
0.45% | $100,000 | Compare |
30 Mo CD
|
0.45% | $10,000 | Compare |
30 Mo CD
|
0.45% | $100,000 | Compare |
36 Mo CD
|
0.55% | $10,000 | Compare |
36 Mo CD
|
0.55% | $100,000 | Compare |
48 Mo CD
|
0.65% | $10,000 | Compare |
48 Mo CD
|
0.65% | $100,000 | Compare |
60 Mo CD
|
0.80% | $10,000 | Compare |
60 Mo CD
|
0.80% | $100,000 | Compare |
MM RATES | APY | MIN | |
---|---|---|---|
Money Market
|
0.05% | $2,500 | Compare |
Money Market
|
0.08% | $10,000 | Compare |
Money Market
|
0.08% | $25,000 | Compare |
INT CHECKING RATES | APY | MIN |
---|---|---|
Int Ckg
|
0.03% | $1 |
Int Ckg
|
0.03% | $2,500 |
Loan Rates - May 25, 2022
MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
---|---|---|
5 Year Adjustable Jumbo
|
4.78% | $1,157.79 |
5 Year Adjustable Conforming
|
4.78% | $1,157.79 |
7 Year Adjustable Jumbo
|
4.73% | $1,193.54 |
7 Year Adjustable Conforming
|
4.73% | $1,193.54 |
10 Year Adjustable Conforming
|
3.92% | $1,157.79 |
15 Year Fixed Conforming
|
4.02% | $1,834.22 |
15 Year Fixed Jumbo
|
4.43% | $1,897.19 |
MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
---|---|---|
5 Year Adjustable Jumbo
|
4.78% | $1,157.79 |
5 Year Adjustable Conforming
|
4.78% | $1,157.79 |
7 Year Adjustable Jumbo
|
4.73% | $1,193.54 |
7 Year Adjustable Conforming
|
4.73% | $1,193.54 |
10 Year Adjustable Conforming
|
3.92% | $1,157.79 |
15 Year Fixed Conforming
|
4.02% | $1,834.22 |
15 Year Fixed Jumbo
|
4.43% | $1,897.19 |
20 Year Fixed Conforming
|
4.24% | $1,532.13 |
HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
---|---|---|---|---|
Line of Credit
|
5.50% | Varies | ||
Compare with RATE Line of Credit from Figure Home Equity Line
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Compare with RATE Line of Credit from New American Funding
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Compare with 4.5 RATE Line of Credit from Bethpage Federal Credit Union
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10 Year Loan
|
5.50% | $542.63 |
AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
---|---|---|
3 Year
|
4.25% | $740.88 |
4 Year
|
4.25% | $567.28 |
5 Year
|
4.25% | $463.24 |
Overview 2022
General Bank Information
FDIC Insured | Yes |
FDIC Certificate | # 18467 |
Date Established | 1874 |
Assets | $ 1,528.80 million |
Loans | $ 1,069.43 million |
Deposits | $ 1,342.61 million |
Capital | $ 154.29 million |
Summary Balance Sheet
ASSETS | |
Cash & Balances due from depository institutions | $ 175.34 million |
Interest-bearing balances | $ 168.96 million |
Total securities | $ 203.30 million |
Federal funds sold and reverse repurchase | N.A. |
Net loans and leases | $ 1,069.43 million |
Loan loss allowance | $ 12.96 million |
Trading account assets | N.A. |
Bank premises and fixed assets | N.A. |
Other real estate owned | N.A. |
Goodwill and other intangibles | $ 14.52 million |
All other assets | $ 43.04 million |
Total Assets | $ 1,374.51 million |
LIABILITIES | |
Total deposits | $ 1,342.61 million |
Interest-bearing deposits | $ 926.53 million |
Deposits held in domestic offices | $ 1,342.61 million |
% insured (estimated) | 60.45% |
Federal funds purchased and repurchase agreements | $ 11.43 million |
Trading liabilities | N.A. |
Other borrowed funds | $ 12.95 million |
Subordinated debt | N.A. |
All other liabilities | $ 7.52 millionn |
Total Liabilities | $ 1,374.51 million |
Shareholders’ Equity | $ 154.29 million |
Summary Income Statement
INCOME AND EXPENSES | |
Total Interest Income | $ 44.07 million |
Total Interest Expense | $ 2.46 million |
Net interest income | $ 41.61 million |
Provision for loan and lease losses | N.A. |
Total non interest income | $ 11.43 million |
Total non interest expense | $ 31.43 million |
Pre-tax Net Operating Income | $ 22.33 million |
Salisbury Bank and Trust Company is an FDIC insured institution headquartered at
5 Bissell St, Lakeville, CT 6039.
It was founded in
1874 and has approximately $2 billion in
assets. Customers can open an account at one of its 14 branches.
Customer Reviews for Salisbury Bank and Trust Company
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only.
- 1LOCAL CDBankCONNECTICUT$50,0006 Month0.25%0.93x (National Avg. - 0.27%)$10,000-SCENARIO
Year Rate
0.25%Annual
InterestAnnual Interest
(After Tax)1 50,000 125 88 2 50,125 125 88 3 50,250 126 88 4 50,376 126 88 5 50,502 126 88 6 50,628 127 89 7 50,755 127 89 8 50,882 127 89 9 51,009 128 89 10 51,136 128 89 11 51,264 128 90 12 51,392 128 90 13 51,521 129 90 14 51,650 129 90 15 51,779 129 91 16 51,908 130 91 17 52,038 130 91 18 52,168 130 91 19 52,298 131 92 20 52,429 131 92 TOTAL $2,560 $1,792 - 2ONLINE CDOnline Bank-$50,00012 Month1.30%3.22x (National Avg. - 0.40%)$5,000-SCENARIO
Year Rate
1.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 650 455 2 50,650 658 461 3 51,308 667 467 4 51,975 676 473 5 52,651 684 479 6 53,336 693 485 7 54,029 702 492 8 54,731 712 498 9 55,443 721 505 10 56,164 730 511 11 56,894 740 518 12 57,633 749 524 13 58,383 759 531 14 59,142 769 538 15 59,910 779 545 16 60,689 789 552 17 61,478 799 559 18 62,277 810 567 19 63,087 820 574 20 63,907 831 582 TOTAL $14,738 $10,317
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