Commercial Bank & Trust Company (Monticello, AR)

Problem loans are rising at Commercial Bank & Trust Company. The Monticello, Arkansas bank had $364 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.40% of loans from 3.74% a year earlier. It carries problem assets equal to 46.5% of the capital and reserves that would absorb them, 17.6 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 3.04 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).

The commercial and industrial book ($63 million) is worsening: 6.60% of it is past due or on nonaccrual, up from 1.65% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $16 million equal 38% of Tier 1 capital, down from 48% a year earlier. Profitability lags: it earns about $0.76 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).

As of June 30, 2026, Commercial Bank & Trust Company reported a return on assets of 0.76%, a nonperforming-loan ratio of 5.40% and a Texas ratio of 46.51%. The figures come from its call report filed with the FFIEC.