CBI Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
CBI Bank & Trust is an FDIC-insured commercial bank headquartered in Muscatine, IA, established in 1933 (FDIC certificate 1552), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.70B, up 8.1% from Q2 2025, the 17th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 13.00% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1552
- Headquarters
- Muscatine, IA
- Established
- 1933
- Total assets, Q2 2026
- $1.70B
- Assets vs Q2 2025
- +8.1%
- CET1 ratio, Q2 2026
- 13.00%
- Domestic offices
- 24 FDIC institution directory, current count
- Routing number
- 073900742
- Holding company
- CENTRAL BANCSHARES, INC.
- Asset rank in state
- 17th of 225 in Iowa
Problem loans are rising at CBI Bank & Trust. Based in Muscatine, Iowa, it had $1.7 billion in assets at June 30, 2026, up 8.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.01% of loans from 0.20% a year earlier. It pays an average of 1.16% on its deposits and borrowings, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds commercial real estate loans worth 1.5 times its capital, lower than about three-quarters of banks its size (median 2.2 times).
Net income for the quarter rose 11% from a year earlier, to $5.2 million.
As of June 30, 2026, CBI Bank & Trust reported a CET1 capital ratio of 13.00%, a return on assets of 1.26%, a nonperforming-loan ratio of 1.01% and a Texas ratio of 6.65%. The figures come from its call report filed with the FFIEC.
CBI Bank & Trust ranks as the 17th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.7% to $1.70B, loans were flat and deposits rose 2.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 15.5%. Its 24 offices in the FDIC Summary of Deposits are in 18 cities across 3 states; its Muscatine 3 offices book 29% of its branch deposits. Judged on its Q2 2026 call report, CBI Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 Iowa Ave, Muscatine, IA 52761
- County
- Muscatine
- Metro Area
- Muscatine, IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 13, 1933
- Domestic offices
- 24 FDIC institution directory, current count
- Employees (FTE)
- 273
- Domestic deposits
- $1.44B
- Allowance for credit losses
- $14.1M
- Net charge-offs (YTD)
- $157K
- Average total assets
- $1.66B
- Average total loans
- $1.08B
- Average interest-bearing deposits
- $1.37B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1552
- Fed RSSD
- 830542
- Website
- www.cbibt.bank →
- Parent Holding Company
- CENTRAL BANCSHARES, INC. (RSSD 1203899)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, CBI Bank & Trust's total assets ranged from $1.17B (Q3 2023) to $1.70B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.70B total assets against $1.58B; $1.50B total liabilities against $1.39B.
$1.06B net loans and leases against $1.00B; $1.44B total deposits against $1.35B.
$405.4M securities against $381.3M; $92.1M cash and balances due against $62.1M.
$20.1M total interest income against $19.3M; $4.8M total interest expense against $5.0M.
$15.3M net interest income against $14.4M.
$4.1M total noninterest income against $3.5M; $12.0M total noninterest expense against $11.6M.
$611K provision for credit losses against $44K.
$5.2M net income against $4.7M.
1.26% return on assets against 1.19%; 4.09% net interest margin against 3.97%.
13.00% CET1 capital ratio against 12.69%; 10.23% tier 1 leverage ratio against 9.90%.
Inside the full CBI Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCBI Bank & Trust rankings
Its closest position to the top of a national ranking is 657 of 4,196, for total assets; its furthest is 1,398 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.88% (Q4 2024) to 2.01% (Q3 2024) and its net interest margin ran from 2.86% (Q3 2024) to 4.17% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.00% | 1.26% | 1.01% | 6.65% | 4.09% |
| Q1 2026 | 13.08% | 0.98% | 1.01% | 6.75% | 4.08% |
| Q4 2025 | 12.70% | 1.29% | 0.76% | 5.17% | 4.08% |
| Q3 2025 | 12.82% | 1.16% | 0.77% | 5.29% | 4.11% |
| Q2 2025 | 12.69% | 1.19% | 0.20% | 1.64% | 3.97% |
| Q1 2025 | 12.40% | 1.10% | 0.27% | 2.21% | 3.86% |
| Q4 2024 | 12.51% | 0.88% | 0.29% | 2.82% | 4.17% |
| Q3 2024 | 12.46% | 2.01% | 0.39% | 3.32% | 2.86% |
Swipe the table sideways to see every column.
Branch Network
View all 24 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| CBI Bank & Trust (main office) | Muscatine , IA | 52761 | $329.6M |
| Galesburg Branch | Galesburg , IL | 61401 | $231.1M |
| Senb Branch | Moline , IL | 61265 | $149.3M |
| Walcott Branch | Walcott , IA | 52773 | $86.4M |
| Park Avenue Branch | Muscatine , IA | 52761 | $73.7M |
| Henderson Branch | Galesburg , IL | 61401 | $71.6M |
| Farmers-Merchants Joy Branch | Joy , IL | 61260 | $47.5M |
| Brimfield Br | Brimfield , IL | 61517 | $44.4M |
| Beloit Wi Branch | Beloit , WI | 53511 | $38.7M |
| Buffalo Prairie Branch | Buffalo Prairie , IL | 61237 | $35.5M |
| West Chester Branch | Washington , IA | 52353 | $34.4M |
| Kalona Branch | Kalona , IA | 52247 | $33.5M |
| Roscoe Branch | Roscoe , IL | 61073 | $32.6M |
| Schaefer Farms Crossing Branch | Bettendorf , IA | 52722 | $31.4M |
| Freedom Security Branchg | Coralville , IA | 52241 | $31.3M |
| Peoria Branch | Peoria , IL | 61614 | $24.8M |
| Davenport Branch | Davenport , IA | 52801 | $24.1M |
| Davenport Branch | Davenport , IA | 52803 | $23.7M |
| Buffalo Branch | Buffalo , IA | 52728 | $23.3M |
| Wilton Branch | Wilton , IA | 52778 | $22.1M |
| Seminary Square Branch | Galesburg , IL | 61401 | $14.7M |
| Hyvee Branch | Muscatine , IA | 52761 | $14.6M |
| Davenport Branch | Davenport , IA | 52807 | $13.0M |
| Monmouth Branch | Monmouth , IL | 61462 | $9.2M |
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 |
|---|---|---|---|
| October 21, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2023 | Structure Change | Acquired SENB Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 6, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 6, 2021 | Structure Change | Acquired Farmers & Mechanics Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 6, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 6, 2020 | Structure Change | Acquired Walcott Trust and Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2015 | Structure Change | Acquired Buffalo Prairie State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 2013 | Structure Change | Acquired West Chester Savings Bank 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 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action August 19, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in IA, rank 34 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 988 applications, 772 loans originated, $108.2M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.5M approved, $1.2M 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about CBI Bank & Trust
What are CBI Bank & Trust's total assets?
As of the Q2 2026 filing, CBI Bank & Trust reported total assets of $1.70 billion in its FFIEC call report.
Where is CBI Bank & Trust headquartered?
It is headquartered in Muscatine, IA, United States.
When was CBI Bank & Trust founded?
It was established in 1933, per the FDIC institution directory.
Is CBI Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1552). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CBI Bank & Trust?
CBI Bank & Trust's primary federal regulator is the Federal Reserve.
What is CBI Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.00% in its Q2 2026 call report, above regulatory requirements.
How many branches does CBI Bank & Trust operate?
It operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CBI Bank & Trust's Texas Ratio?
Its Texas Ratio is 6.65% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
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