Community Bank and Trust
BankRegReports is independent of Community Bank and Trust and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Community Bank and Trust is an FDIC-insured commercial bank headquartered in Neosho, MO, established in 1884 (FDIC certificate 13068), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $445.1M, up 2.6% from Q2 2025, the 77th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 27.64% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13068
- Headquarters
- Neosho, MO
- Established
- 1884
- Total assets, Q2 2026
- $445.1M
- Assets vs Q2 2025
- +2.6%
- CET1 ratio, Q2 2026
- 27.64%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 101202257
- Holding company
- COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 77th of 191 in Missouri
Community Bank and Trust, based in Neosho, Missouri, reported $445 million in assets at June 30, 2026, up 2.6% from a year earlier. It pays an average of 0.47% on its deposits and borrowings, a small fraction of the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 27.64% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Net income for the quarter rose 11% from a year earlier, to $1.3 million. Over the same year, loans grew 9.5% and deposits grew 4.0%. Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Community Bank and Trust reported a CET1 capital ratio of 27.64%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.74%. The figures come from its call report filed with the FFIEC.
Community Bank and Trust ranks as the 77th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.7% to $445.1M, loans rose 4.6% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.7% of total loans, followed by agricultural production loans at 26.5%. Its 13 offices in the FDIC Summary of Deposits are in 9 cities across 2 states; its Neosho 3 offices book 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Wood St, Neosho, MO 64850
- County
- Newton
- Metro Area
- Joplin, MO-KS
- 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 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1884
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 119
- Domestic deposits
- $394.4M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $39K
- Average total assets
- $449.5M
- Average total loans
- $188.6M
- Average interest-bearing deposits
- $380.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13068
- Fed RSSD
- 957757
- Website
- www.cbthomebank.com →
- Parent Holding Company
- COMMUNITY BANCSHARES, INC. (RSSD 1061624)
- Ultimate Parent
- RSSD 2072793
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
Over the 12 quarters to Q2 2026, Community Bank and Trust's total assets ran between $388.4M (Q4 2023) and $445.1M (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
$445.1M total assets against $433.8M; $408.1M total liabilities against $401.4M.
$203.5M net loans and leases against $185.8M; $394.4M total deposits against $379.2M.
$136.5M securities against $129.1M; $91.2M cash and balances due against $105.6M.
$4.5M total interest income against $4.2M; $606K total interest expense against $689K.
$3.9M net interest income against $3.5M.
$1.3M total noninterest income against $1.3M; $3.9M total noninterest expense against $3.6M.
$41K provision for credit losses against $11K.
$1.3M net income against $1.2M.
1.20% return on assets against 1.12%; 3.65% net interest margin against 3.46%.
27.64% CET1 capital ratio against 25.29%; 8.37% tier 1 leverage ratio against 7.77%.
Inside the full Community Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Bank and Trust rankings
Its closest position to the top of a national ranking is 110 of 2,134, for CET1 ratio; its furthest is 2,971 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.89% (Q1 2025) to 1.27% (Q3 2025) and its net interest margin ran from 3.22% (Q4 2024) to 3.65% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 27.64% | 1.20% | 0.13% | 0.74% | 3.65% |
| Q1 2026 | 26.87% | 1.00% | 0.07% | 0.40% | 3.52% |
| Q4 2025 | 25.17% | 1.13% | 0.02% | 0.14% | 3.36% |
| Q3 2025 | 25.13% | 1.27% | 0.03% | 0.16% | 3.60% |
| Q2 2025 | 25.29% | 1.12% | 0.03% | 0.19% | 3.46% |
| Q1 2025 | 25.80% | 0.89% | 0.04% | 0.26% | 3.23% |
| Q4 2024 | 26.14% | 1.10% | 0.05% | 0.30% | 3.22% |
| Q3 2024 | 26.91% | 1.22% | 0.06% | 0.34% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| Community Bank and Trust (main office) | Neosho , MO | 64850 | $63.8M |
| Branch 60 | Galena , KS | 66739 | $44.5M |
| Branch 02 | Neosho , MO | 64850 | $43.5M |
| Branch 06 | Joplin , MO | 64804 | $41.2M |
| Branch 05 | Joplin , MO | 64801 | $34.3M |
| Branch 10 | Granby , MO | 64844 | $32.8M |
| Branch 30 | Seneca , MO | 64865 | $27.0M |
| Branch 70 | Carl Junction , MO | 64834 | $26.6M |
| Branch 04 | Neosho , MO | 64850 | $21.0M |
| Branch 40 | Diamond , MO | 64840 | $18.9M |
| Branch 20 | Anderson , MO | 64831 | $17.8M |
| Branch 75 | Joplin , MO | 64801 | $15.7M |
| Carthage George Phelps Blvd Branch | Carthage , MO | 64836 | $7.4M |
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 |
|---|---|---|---|
| September 5, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 5, 1997 | Structure Change | Acquired Citizens State Bank in Galena Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 18, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 18, 1997 | Structure Change | Acquired Diamond Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 1995 | Structure Change | Acquired State Bank of Seneca Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 12, 1993 | Structure Change | Acquired The Citizens' State Bank of Granby Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 12, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 103 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 182 applications, 127 loans originated, $22.0M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $434K approved, $434K 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
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Community Bank and Trust’s latest filed figures and updates each quarter.
Similar banks
Compare Community Bank and Trust with peers
Frequently asked about Community Bank and Trust
What are Community Bank and Trust's total assets?
As of the Q2 2026 filing, Community Bank and Trust reported total assets of $445.1 million in its FFIEC call report.
Where is Community Bank and Trust headquartered?
It is headquartered in Neosho, MO, United States.
When was Community Bank and Trust founded?
It was established in 1884, per the FDIC institution directory.
Is Community Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank and Trust?
Community Bank and Trust's primary federal regulator is the Federal Reserve.
What is Community Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 27.64% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Bank and Trust operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank and Trust's Texas Ratio?
Its Texas Ratio is 0.74% 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.
Go deeper on Community Bank and Trust.
Get an email when Community Bank and Trust files its next call report, and benchmark it against any peer you choose.
Unlock Community Bank and Trust, freeFree account