COMMUNITY BANK & TRUST COMPANY

MUSCATINE, IA | Small | Est. Aug. 11, 1980, midnight | FDIC #23189 | RSSD #1015841 | FDIC
Latest Report: 2025-12-31

COMMUNITY BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in MUSCATINE, IA, established in Aug. 11, 1980, midnight. As of 2025-12-31, the bank reported total assets of $319M and total deposits of $296M. Profitability stands at 0.87% ROA and 12.27% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 11.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.79%. FDIC Certificate #23189.

Assets

$319M

Deposits

$296M

Loans

$191M

Equity

$22M

Profitability

Return on Assets (ROA) 0.87%
Return on Equity (ROE) 12.27%
Net Interest Margin (NIM) 3.62%
Yield on Assets 5.38%
Cost of Funds 1.75%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.79%
NPA Ratio 0.06%
ACL / Loans 1.41%

Capital & Liquidity

CET1 Ratio 11.82%
Tier 1 Capital 11.82%
Total Capital Ratio 13.06%
Leverage Ratio 8.23%
Loan-to-Deposit 64.35%

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