CBI Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks CBI Bank & Trust of Muscatine, IA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.26% | 1.44% | -0.18% | 48th below |
| ROAE | 10.45% | 12.51% | -2.06% | 36th below |
| Net Interest Margin | 4.09% | 3.84% | +0.25% | 74th above |
| Efficiency Ratio | 59.24% | 58.87% | +0.37% | 48th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.77% | 1.78% | -0.01% | 55th above |
| Yield on Earning Assets | 5.35% | 5.71% | -0.36% | 38th below |
| Cost of Funds | 1.16% | 2.03% | -0.87% | 91st top |
| Net Interest Spread | 3.76% | 3.18% | +0.58% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.21% | 0.96% | +0.25% | 27th below |
| NPA / Total Assets | 0.77% | 0.75% | +0.02% | 34th below |
| NCO / Avg Loans | 0.02% | 0.31% | -0.29% | 53rd above |
| ACL / Total Loans | 1.31% | 1.25% | +0.06% | 70th above |
| ACL / NPLs (Coverage) | 107.89% | 699.50% | -591.61% | 33rd below |
| Texas Ratio | 8.31% | 7.16% | +1.15% | 29th below |
| Provision / NCO | 1389.81% | 813.75% | +576.06% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.00% | 17.41% | -4.41% | 42nd below |
| Tier 1 Ratio | 13.00% | 17.45% | -4.45% | 42nd below |
| Total Capital Ratio | 14.18% | 18.51% | -4.33% | 42nd below |
| Leverage Ratio | 10.23% | 11.60% | -1.37% | 43rd below |
| Equity / Assets | 11.80% | 11.33% | +0.47% | 73rd above |
| TCE / Tangible Assets | 9.04% | 10.65% | -1.61% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.73% | 86.36% | -11.63% | 79th top |
| Core Deposit Ratio | 91.71% | 85.55% | +6.16% | 66th above |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 31.16% | 32.71% | -1.55% | 49th below |
| Wholesale Funding Ratio | 2.94% | 5.46% | -2.52% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.11% | 10.46% | -2.35% | 68th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.28% | 7.99% | -1.71% | 54th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.84% | 7.98% | -1.14% | 61st above |
See CBI Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock CBI Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full CBI Bank & Trust profile, how to read a UBPR, or how this data updates.