Commercial Bank & Trust Company (Monticello, AR): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Commercial Bank & Trust Company. The Monticello, Arkansas bank had $364 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.40% of loans from 3.74% a year earlier. It carries problem assets equal to 46.5% of the capital and reserves that would absorb them, 17.6 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 3.04 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
The commercial and industrial book ($63 million) is worsening: 6.60% of it is past due or on nonaccrual, up from 1.65% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $16 million equal 38% of Tier 1 capital, down from 48% a year earlier. Profitability lags: it earns about $0.76 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Commercial Bank & Trust Company reported a return on assets of 0.76%, a nonperforming-loan ratio of 5.40% and a Texas ratio of 46.51%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 212 W Gaines St, Monticello, AR 71655
- County
- Drew
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Offices
- 8 domestic
- Employees (FTE)
- 62
- Domestic deposits
- $336.0M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $88K
- Average total assets
- $369.6M
- Average total loans
- $244.3M
- Average interest-bearing deposits
- $285.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 90
- Fed RSSD
- 23643
- SEC CIK
- 2029147 → filed by DREW BANCSHARES, INC.
- Website
- www.commercial-bank.net →
- Parent Holding Company
- DREW BANCSHARES, INC. (RSSD 1098198)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock Commercial Bank & Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial Bank & Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Commercial Bank & Trust Company: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.30% | 0.76% | 5.40% | 46.51% | 3.04% |
| Q1 2026 | 11.04% | 0.63% | 4.29% | 39.37% | 2.95% |
| Q4 2025 | 10.91% | 0.71% | 3.89% | 35.35% | 2.93% |
| Q3 2025 | 11.19% | 0.82% | 3.57% | 31.91% | 2.91% |
| Q2 2025 | 10.99% | 0.66% | 3.74% | 37.88% | 2.57% |
| Q1 2025 | 10.91% | 0.66% | 2.68% | 28.71% | 2.68% |
| Q4 2024 | 10.97% | 0.67% | 0.57% | 6.69% | 2.61% |
| Q3 2024 | 11.09% | 0.46% | 0.44% | 4.37% | 2.56% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commercial Bank & Trust Company (main office) | Monticello , AR | 71655 | $234.1M |
| First State Bank of Warren Branch | Warren , AR | 71671 | $84.2M |
| Hampton Branch | Hampton , AR | 71744 | $10.0M |
| Hermitage Branch | Hermitage , AR | 71647 | $7.6M |
| Westgate Branch | Monticello , AR | 71655 | $0 |
| North Park Branch of Commercial Bank & Trust Company | Monticello , AR | 71655 | $0 |
| Martin and Pine Branch | Warren , AR | 71671 | $0 |
| East Branch | Monticello , AR | 71655 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 24, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 24, 2024 | Structure Change | Acquired First State Bank of Warren Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Commercial Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in AR, rank 52 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $3.9M approved, $555K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Commercial Bank & Trust Company
What are Commercial Bank & Trust Company's total assets?
As of the Q2 2026 filing, Commercial Bank & Trust Company reported total assets of $364.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Commercial Bank & Trust Company headquartered?
Commercial Bank & Trust Company is headquartered in Monticello, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Commercial Bank & Trust Company founded?
Commercial Bank & Trust Company was established in 1913, per the FDIC institution directory.
Is Commercial Bank & Trust Company FDIC-insured?
Yes. Commercial Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #90). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Bank & Trust Company?
Commercial Bank & Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Commercial Bank & Trust Company operate?
Commercial Bank & Trust Company operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Bank & Trust Company's Texas Ratio?
Commercial Bank & Trust Company's Texas Ratio is 46.51% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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