Natchitoches, Louisiana is location for the main office of City Bank & Trust Company.  Natchitoches is an original French colony in Louisiana, established in 1714 as part of French Louisiana.  The community was named after the Natchitoches Indian tribe.  It is the oldest permanent settlement in the Louisiana Purchase territory.  It is also well known as the film site of “Steel Magnolias”.

City Bank & Trust Company has been serving the Natchitoches area for over 75 years.  The bank was established on January 1, 1933 and has four bank branches along with the main office in Natchitoches.  The bank has been FDIC insured since January 1, 1934.  City Bank & Trust Co is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).

Total assets of the end of the year 2008 stood at $207,629,000.  For all of 2008 the bank had net income of $4,003,000.  At the end of 2008 the bank had noncurrent loans that were only 0.22% of total loans and leases.  The bank core capital (leverage) ratio 8.32%, tier 1 risk-based capital ratio was 17.64% and total risk-based capital ratio 18.31%.

City Bank & Trust Company offers a full range of competitive products including ATM services, VISA check card, 24 hour banking through our Access 24 network, and a variety of loans including consumer, commercial and residential.

The bank CDs have a minimum deposit to open an account and obtain the listed APY is $1,000.00.   CD interest is compounded monthly on all maturities over 31 days.  The daily interest is determined by the application of a daily periodic rate to the full amount of principle in the account each day.

90-179 day CD interest rate is 1.21% APY
6 month CD rate is 2.14% APY
1 year CD rate is 2.38% APY
18 month CD rate is 2.48% APY
2 year CD rate is 2.51% APY
3 year CD earns a rate of 2.59% APY
5 year CD rate is 3.06% APY

Bank CD rates are subject to change prior to open the accounts.  Additional conditions may apply.  For up to date bank rate and account information, the bank can be reached at 318-352-4416.  Bank CD rates as well as other bank savings rate can be found on the bank web site located at www.mycitybank.com.

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