COMMUNITY BANK AND TRUST

NEOSHO, MO | Small | Est. Jan. 1, 1884, midnight | FDIC #13068 | RSSD #957757 | FED
Latest Report: 2025-12-31

COMMUNITY BANK AND TRUST is asn small FDIC-insured commercial bank headquartered in NEOSHO, MO, established in Jan. 1, 1884, midnight. As of 2025-12-31, the bank reported total assets of $433M and total deposits of $376M. Profitability stands at 1.14% ROA and 13.90% ROE, with a net interest margin of 3.71%. The bank's CET1 capital ratio is 25.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.13%. FDIC Certificate #13068.

Assets

$433M

Deposits

$376M

Loans

$201M

Equity

$36M

Profitability

Return on Assets (ROA) 1.14%
Return on Equity (ROE) 13.90%
Net Interest Margin (NIM) 3.71%
Yield on Assets 4.39%
Cost of Funds 0.72%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.13%
NPA Ratio 0.01%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 25.17%
Tier 1 Capital 25.17%
Total Capital Ratio 26.43%
Leverage Ratio 8.01%
Loan-to-Deposit 53.34%

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