How profitable a bank is has an effect on its long-term survivability. A bank can retain its earnings, giving a boost to its capital buffer, or use them to deal with problematic loans, potentially making the bank better able to withstand economic trouble. Losses, on the other hand, lessen a bank's ability to do those things.
Crestmark Bank did above-average on Bankrate's test of earnings, achieving a score of 30 out of a possible 30.
One important way to measure a bank's earnings is return on equity, or net income (profit, basically) divided by total equity. The most recent annualized quarterly return on equity for Crestmark Bank was 28.52 percent, above the national average of 8.10 percent.
The bank earned net income of $29.4 million on total equity of $127.8 million for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 2.87 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.