Bb and T on 401 Broad St in Gadsden, Alabama (AL)

Bb and T on 401 Broad St in Gadsden, AL

Welcome to Bb and T (Other Real Estate - Real Estate Financing) on 401 Broad St in Gadsden, Alabama. This bank is listed on Bank Map under Banks - Other Real Estate - Real Estate Financing. You can reach us on phone number (256) 543-7078. Our office is located on 401 Broad St, Gadsden, AL.

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Bb and T Branch Overview

Available accounts

CDs
Checking
Credit Cards
Debit Cards
Gift Cards
IRAs
Savings

Contact details

Address
Bb and T
401 Broad St, Gadsden
35901 AL, USA

Call Us
(256) 543-7078

For full contact details (including navigation data) to this bank have a look at the the column to your right (or scroll if you're viewing this on a mobile device.)

Other banks near 401 Broad St

Regions Bank on 2001 Rainbow Dr (3.4 miles away)
Bb and T on 401 Broad St (3.4 miles away)
Hester Rick W on 210 Bay St (3.4 miles away)
Haller- Robert L on 1720 Rainbow Dr (3.4 miles away)
Wachovia Bank on 301 5th Ave NW (5.8 miles away)
Scotia Bank on Loan And Mortgage Center At (5.8 miles away)
Exchange Bank on 923 Cleveland Ave (5.8 miles away)
Exchange Bank on 230 3rd St NW (5.8 miles away)
Regions Bank on 200 Broad St (5.8 miles away)
Exchange Bank on 3003 Rainbow Dr (6 miles away)
Regions Bank on 3105 Rainbow Dr (6 miles away)
Wachovia Bank on 3400 Rainbow Dr (6 miles away)
Regions Bank on 510 W Main St (7.4 miles away)
Bb and T on 2020 Alabama 77 (8.2 miles away)
Camp- B Frank on 207 2nd St N (9.7 miles away)
Compass Bank on 460 George Wallace Dr (9.7 miles away)
Union State Bank on 32 Court St E (13 miles away)
Superior Bank on 197 Billy Dyar Blvd (13 miles away)
Mattox- Mary E on 1575 U.S. 431 (13 miles away)
Bancorpsouth on 2333 U.S. 431 (13 miles away)

This Bb and T is located nearby...

Not sure where Bb and T on 401 Broad St is? The following places (sorted by popularity) are located nearby. We've also included the estimated walking distance.

Jefferson's Gadsden (0.17 miles away / 3 min walk)
The Gridiron (0.12 miles away / 2 min walk)
Wallace Hall Fine Arts Center (1.37 miles away / 27 min walk)
Walmart Gadsden (0.90 miles away / 18 min walk)
Stevie B's (0.71 miles away / 14 min walk)
YMCA of the Coosa Valley (0.30 miles away / 6 min walk)
Tre Ragazzi's Italian Cafe (0.15 miles away / 3 min walk)
Gadsden Convention Hall (0.37 miles away / 7 min walk)
Brute Fitness Crossfit (0.09 miles away / 2 min walk)
Mater's Pizza and Pasta Emporium (0.08 miles away / 2 min walk)

Corporate overview

The BB&T Corporation (Branch Banking & Trust, BBT) is an American bank founded in 1865. BBT had 32,211 employees in 2013 and operated over 1,800 branches. BBT offer retail and commercial banking services along financial services such as investments, insurance, mortgage, retail brokerage, corporate finance, consumer finance, payment services, leasing and trust.

Total employees

32,211

Total branches

1,278

Total deposits

$137 billion (The total dollar amount of cash deposits held by Branch Banking and Trust Company end of last financial quarter.)

Total loans

$115 billion (The total dollar amount of loans held by Branch Banking and Trust Company end of last financial quarter.)

FDIC

9846

Year founded

1872

Financial Strength

Texas Ratio

12.29%

Deposit Growth

0.055%

Core Capitalization Ratio

9.04%

Branch Banking and Trust Company Financial Statement

Branch Banking and Trust Company
200 W 2nd St
Winston Salem, North Carolina 27101
FDIC Certificate #9846
Financial Summary as of 6/30/2013
Source: FDIC Statistics on Depository Institutions
*(All Numbers in Thousands)*
TOTAL ASSETS	$177,895,050
Cash and Due from Depository Accounts	$2,165,406
Interest-Bearing Balances	$727,744
Securities	$38,032,729
Federal Funds Sold and Reverse Repurchase Agreements	$0
Net Loans and Leases	$112,950,303
Total Loans	$114,680,000
Loan Loss Allowance	($1,729,838)
Trading Account Assets	$707,787
Bank Premises and Fixed Assets	$1,880,256
Other Real Estate Owned	$317,073
Goodwill and Other Intangibles	$8,252,467
All Other Assets	$12,895,811
TOTAL LIABILITIES	$156,136,201
Total Deposits	$137,189,272
Interest-Bearing Deposits	$103,428,654
Deposits Held in Domestic Offices	$137,189,272
% Insured	46.93%
Federal Funds Purchased and Repurchase Agreements	$292,101
Trading Liabilities	$512,454
Other Borrowed Funds	$10,933,027
Subordinated Debt	$1,044,691
All Other Liabilities	$6,164,656
TOTAL EQUITY	$21,758,849
Total Bank Equity Capital	$18,802,494
Perpetual Preferred Stock	$0
Common Stock	$24,437
Surplus	$13,904,052
Undivided Profits	$4,874,005
Noncontrolling Interests in Consolidated Subsidiaries	$2,956,355

INCOME AND EXPENSE
Net Interest Income	$2,658,442
Total Interest Income	$3,008,045
Total Interest Expense	($349,603)
Provision For Loan and Lease Losses	($295,627)
Total Noninterest Income	$1,751,086
Fiduciary Activities	$63,485
Service Charges on Deposit Accounts	$281,064
Trading Account Gains and Fees	$41,128
Additional Noninterest Income	$1,365,409
Total Noninterest Expense	($2,715,722)
Salaries and Employee Benefits	($1,510,172)
Premises and Equipment Expense	($332,322)
Additional Noninterest Expense	($873,228)
Pre-Tax Net Operating Income	$1,398,179
Securities Gains (Losses)	$45,884
Applicable Income Taxes	$641,433
Income Before Extraordinary Items	$802,630
Extraordinary Gains - Net	$0
Net Income Attributable to Bank	$699,256
Net Income Attributable to Noncontrolling Interests	$103,374
Net Income Attributable to Bank and Noncontrolling Interests	$802,630
Net Charge-Offs	$432,201
Cash Dividends	$625,000
Sale, Conversion, Retirement of Capital Stock, Net	$54,002
Net Operating Income	$773,264

PERFORMANCE AND CONDITION RATIOS
Performance Ratios (%, Annualized)
Yield on Earning Assets	3.93%
Cost of Funding Earning Assets	0.46%
Net Interest Margin	3.47%
Noninterest Income to Average Assets	1.96%
Noninterest Expense to Average Assets	3.05%
Net Operating Income to Assets	0.87%
Return on Assets (ROA)	0.78%
Pretax Return on Assets	1.5%
Return on Equity	7.44%
Retained Earnings to Average Equity (YTD only)	0.79%
Net Charge-offs to Loans	0.75%
Credit Loss Provision to Net Charge-offs	68.4%
Earnings Coverage of Net Loans Charge-Offs	3.92(x)
Efficiency Ratio	60.39%
Assets per employee ($ millions)	$5.5228
Cash Dividends to Net Income (YTD only)	89.38%
Condition Ratios (%)
Loss Allowance to Loans	1.5%
Loss Allowance to Noncurrent Loans	72.86%
Noncurrent Assets Plus Other Real Estate Owned to Assets	1.51%
Noncurrent Loans to Loans	2.06%
Net Loans and Lease to Deposits	82.84%
Net Loans and Leases to Core Deposits	94.79%
Equity Capital to Assets	10.57%
Core Capital Ratio	9.04%
Tier 1 Risk-based Capital Ratio	11.46%
Total Risk-based Capital Ratio	13.16%

OTHER KEY FIGURES
Asset-Side
Average Assets	$178,288,689
Average Earning Assets	$153,240,560
Average Loans	$115,321,313
Noncurrent Loans and Leases	$2,374,352
Noncurrent Loans that are Wholly or Partially Guaranteed by the U.S. Government	$791,369
Income Earned, Not Collected on Loans	$465,726
Earning Assets	$152,632,147
Long-Term Assets (5+ Years)	$73,033,730
Average Assets, YTD	$178,288,689
Average Assets, 2 Year	$177,000,977
Total Risk Weighted Assets	$134,101,851
Adjusted Average Assets for Leverage Capital Purposes	$169,960,426
Life Insurance Assets	$3,566,129
General Account Life Insurance Assets	$2,195,464
Separate Account Life Insurance Assets	$1,072,530
Hybrid Account Life Insurance Assets	$298,135
Insider Loans	$442,533
Loans and Leases Held For Sale	$2,488,275
Liability-Side
Volatile Liabilities	$16,441,672
FHLB Advances	$8,557,764
Unused Loan Commitments	$42,592,291
Total Unused Commitments	$42,592,291
Equity-Side
Average Equity	$18,787,498
Tier 1 (core) Risk-Based Capital	$15,368,408
Tier 2 Risk-Based Capital	$2,276,363
Derivatives	$64,155,695

Routing numbers

Bb and T Gadsden routing numbers are listed on this site along with more information about how to find your routing number. Call Bb and T for more information about routing numbers.

Routing numbers to Bb and T in Gadsden are collected manually from the banks official website or provided by the Federal Reserve Financial Services Database.

If you know where you opened your account you can find your routing number in the list below. Not sure? Your nine-digit routing number can also be found in the lower left corner of your checks (the number before your account number.)

State	Routing/Transit Number
Alabama (AL)	0622-0398-4
District of Columbia (DC)	0540-0154-7
Florida (FL)	2631-9138-7
Georgia (GA)	0611-1341-5
Indiana (IN)	0839-7428-9
Kentucky (KY)	0839-0068-0
Maryland (MD)	0550-0330-8
North Carolina (NC)	0531-0112-1
South Carolina (SC)	0532-0160-7
Tennessee (TN)	1110-1769-4
Virginia (VA)	0514-0426-0
West Virginia (WV)	0515-0339-4

Job Openings

Open positions for Bb and T in Gadsden.

Consumer Complaint Stats

Product / Complaint category	Complaints in 2013
Bank account or service	6
Mortgage	2

Bb and T Consumer Complaints (Alabama, 2013)

Average ratio for Bb and T: 0.41 complaints per branch.These numbers are gathered from the CFPB (Consumer Financial Protection Bureau) to give you a transparent overview of complaints Bb and T in Alabama received in 2013.

Having problems with your bank? File a bank account or service complaint here.

Bb and T Bank Hours (Business hours)

These are the bank hours for Bb and T. Call (256) 543-7078 to learn more about office hours. Please note that these bank hours are general and other hours of operation may apply on certain holidays.

Mon: 9:00 - 5:00
Tue: 9:00 - 5:00
Wed: 9:00 - 5:00
Thu: 9:00 - 5:00
Fri: 9:00 - 6:00
Sat: CLOSED
Sun: CLOSED

Fees, interest rates and costs

There's currently no additional information available about fees or rates for Bb and T.

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Bb and T
on 401 Broad St in Gadsden, AL