CBI Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 4.01 percentage points in Q2 2026, from 111.90% to 107.89%. It was the largest change from Q1 2026 among the key lines here. CBI Bank & Trust ranks 136th of 225 Iowa banks on return on assets, in the lower half at 1.26% (Q2 2026). At 1.26%, CBI Bank & Trust's return on assets is close to the 1.28% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.00% |
| Tier 1 risk-based capital ratio | 13.00% |
| Total risk-based capital ratio | 14.18% |
| Tier 1 leverage ratio | 10.23% |
| Equity capital to assets | 11.80% |
| Tangible equity to tangible assets | 9.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.21% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 8.31% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 107.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 10.45% |
| Net interest margin | 4.09% |
| Efficiency ratio | 59.24% |
| Yield on earning assets | 5.35% |
| Cost of funds | 1.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.73% |
| Core deposits to total deposits | 91.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.56% |
| Securities to assets | 23.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.17% | 14.17% | 15.21% | 10.58% | 0.95% |
| Q4 2023 | 11.91% | 11.91% | 12.96% | 9.33% | 0.46% |
| Q1 2024 | 11.80% | 11.80% | 12.88% | 8.91% | 1.05% |
| Q2 2024 | 11.98% | 11.98% | 13.03% | 9.06% | 1.05% |
| Q3 2024 | 12.46% | 12.46% | 13.48% | 9.52% | 2.01% |
| Q4 2024 | 12.51% | 12.51% | 13.55% | 9.58% | 0.88% |
| Q1 2025 | 12.40% | 12.40% | 13.39% | 9.73% | 1.10% |
| Q2 2025 | 12.69% | 12.69% | 13.69% | 9.90% | 1.19% |
| Q3 2025 | 12.82% | 12.82% | 13.80% | 9.97% | 1.16% |
| Q4 2025 | 12.70% | 12.70% | 13.71% | 10.17% | 1.29% |
| Q1 2026 | 13.08% | 13.08% | 14.23% | 10.25% | 0.98% |
| Q2 2026 | 13.00% | 13.00% | 14.18% | 10.23% | 1.26% |
CBI Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock CBI Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full CBI Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1552) · FFIEC NIC profile (RSSD 830542)