Bb and T on 4291 13th St in St Cloud, Florida (FL)

Bb and T on 4291 13th St in St Cloud, FL

Welcome to Bb and T (Personal Financing - B2B Banks) on 4291 13th St in St Cloud, Florida. This bank is listed on Bank Map under Banks - Personal Financing - B2B Banks. You can reach us on phone number (407) 892-2191. Our office is located on 4291 13th St, St Cloud, FL.

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Bb and T Branch Overview

Available accounts

CDs
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IRAs
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Contact details

Address
Bb and T
4291 13th St, St Cloud
34769 FL, USA

Call Us
(407) 892-2191

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 4291 13th St

Bank Of America on 4300 13th St (1.3 miles away)
Bb and T on 4291 13th St (1.3 miles away)
Trustco Bank on 1483-1525 E Osceola Pkwy (3.8 miles away)
Suntrust Bank on 1000 N Main St (3.8 miles away)
Wachovia Bank on 1222 E Vine St (3.8 miles away)
Bb and T on 2710 N Orange Blossom Trail (3.8 miles away)
Bb and T on 1302 E Vine St (3.8 miles away)
Bank Of America on 2501 Boggy Creek Rd (3.8 miles away)
Bank Of America on 1300 Denn John Ln (3.8 miles away)
Bank Of America on 2000 E Osceola Pkwy (6.2 miles away)
Chase on 3711 W Vine St (7.9 miles away)
US Bank on 1003 W Vine St (7.9 miles away)
Suntrust Bank on 3357 W Vine St (7.9 miles away)
Amsouth Bank on 2000 N John Young Pkwy (7.9 miles away)
Bank of America on 1111 W Oak St (7.9 miles away)
Bb and T on 2703 S Orange Ave (7.9 miles away)
Bank of America on 1200 W Osceola Pkwy (7.9 miles away)
Bank Of America on 1532 W Vine St (7.9 miles away)
Chase Bank on 3193 S John Young Pkwy (10.2 miles away)
Fifth Third Bank on 3801 Pleasant Hill Rd (10.2 miles away)

This Bb and T is located nearby...

Not sure where Bb and T on 4291 13th St is? The following places (sorted by popularity) are located nearby. We've also included the estimated walking distance.

City of Life Church (1.02 miles away / 20 min walk)
Chili's Grill & Bar (0.46 miles away / 9 min walk)
Gold's Gym St Cloud (0.19 miles away / 4 min walk)
Sidelines Sports Grill (0.16 miles away / 3 min walk)
Planet Fitness - St. Cloud, FL (0.20 miles away / 4 min walk)
Sonny's BBQ (0.25 miles away / 5 min walk)
THE CATFISH PLACE OF ST. CLOUD (1.25 miles away / 25 min walk)
Koffee Kup (1.86 miles away / 37 min walk)
The House of Pain. Golds Gym (0.18 miles away / 4 min walk)
St Cloud Regional Medical Center (0.91 miles away / 18 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 St Cloud 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 St Cloud 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 St Cloud.

Consumer Complaint Stats

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

Bb and T Consumer Complaints (Florida, 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 Florida 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 (407) 892-2191 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 4291 13th St in St Cloud, FL