Commercial Bank & Trust Company: 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.
The standout move of Q2 2026 was in Non-performing loans to loans: 1.11 percentage points higher than in Q1 2026, at 6.54%. Commercial Bank & Trust Company has the 8th lowest return on assets of the 78 banks headquartered in Arkansas, at 0.76% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Commercial Bank & Trust Company sits 0.50 points lower, at 0.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.30% |
| Equity capital to assets | 7.14% |
| Tangible equity to tangible assets | 7.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 6.54% |
| Non-performing assets ratio | 4.56% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 56.10% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 22.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.76% |
| Return on equity | 10.99% |
| Net interest margin | 3.04% |
| Efficiency ratio | 63.26% |
| Yield on earning assets | 5.14% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.23% |
| Core deposits to total deposits | 75.11% |
| Brokered deposits to total deposits | 2.33% |
| Deposits to assets | 92.29% |
| Securities to assets | 25.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.71% | 4.02% | 2.62% | 1.14% | 0.55% |
| Q4 2023 | 10.24% | 0.80% | 2.58% | 1.62% | 0.67% |
| Q1 2024 | 10.24% | 0.38% | 2.39% | 1.55% | 0.18% |
| Q2 2024 | 15.49% | 0.56% | 2.08% | 0.93% | 0.08% |
| Q3 2024 | 11.09% | 0.46% | 2.56% | 0.97% | 0.08% |
| Q4 2024 | 10.97% | 0.67% | 2.61% | 1.96% | 1.08% |
| Q1 2025 | 10.91% | 0.66% | 2.68% | 3.89% | 0.38% |
| Q2 2025 | 10.99% | 0.66% | 2.57% | 4.95% | 0.03% |
| Q3 2025 | 11.19% | 0.82% | 2.91% | 4.75% | 0.20% |
| Q4 2025 | 10.91% | 0.71% | 2.93% | 5.04% | 0.41% |
| Q1 2026 | 11.04% | 0.63% | 2.95% | 5.43% | 0.15% |
| Q2 2026 | 11.30% | 0.76% | 3.04% | 6.54% | -0.01% |
Commercial Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank & Trust Company, 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 Commercial Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90) · FFIEC NIC profile (RSSD 23643)