COMMERCIAL BANK & TRUST COMPANY

MONTICELLO, AR | Small | Est. Jan. 1, 1913, midnight | FDIC #90 | RSSD #23643 | FED
Latest Report: 2025-12-31

COMMERCIAL BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in MONTICELLO, AR, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $375M and total deposits of $339M. Profitability stands at 0.71% ROA and 10.69% ROE, with a net interest margin of 3.11%. The bank's CET1 capital ratio is 6.62%. Asset quality metrics show a non-performing loan ratio of 3.88% and a Texas Ratio of 35.31%. FDIC Certificate #90.

Assets

$375M

Deposits

$339M

Loans

$250M

Equity

$25M

Profitability

Return on Assets (ROA) 0.71%
Return on Equity (ROE) 10.69%
Net Interest Margin (NIM) 3.11%
Yield on Assets 5.46%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 3.88%
Net Charge-Off Ratio 0.24%
Texas Ratio 35.31%
NPA Ratio 2.60%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 6.62%
Tier 1 Capital 6.62%
Total Capital Ratio 6.95%
Leverage Ratio 10.91%
Loan-to-Deposit 73.66%

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