Community Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Community Bank & Trust Company is an FDIC-insured commercial bank headquartered in Muscatine, IA, established in 1980 (FDIC certificate 23189), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $303.5M, up 4.8% from Q2 2025, the 100th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 12.45% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23189
- Headquarters
- Muscatine, IA
- Established
- 1980
- Total assets, Q2 2026
- $303.5M
- Assets vs Q2 2025
- +4.8%
- CET1 ratio, Q2 2026
- 12.45%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 073922458
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank & Trust Company call report
- Holding company
- C-B-G, INC.
- Asset rank in state
- 100th of 225 in Iowa
Community Bank & Trust Company operates with a thinner capital cushion than most banks of its size. It reported $303 million in assets at June 30, 2026, up 4.8% from a year earlier. It funds 8.28% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also grew its loan book 15.8% over the year, about triple the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 15.8% and deposits rose 4.7%. Paper losses on its bond portfolio are shrinking: unrealized losses of $10 million equal 38% of Tier 1 capital, down from 48% a year earlier.
As of June 30, 2026, Community Bank & Trust Company reported a CET1 capital ratio of 12.45%, a return on assets of 1.31%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.76%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Community Bank & Trust Company is the 100th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.7% to $303.5M, loans fell 0.4% and deposits fell 4.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 23.2% of total loans, followed by farmland and other real estate loans at 20.0%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in IA; its Muscatine 2 offices book 50% of its branch deposits. Judged on its Q2 2026 call report, Community Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2609 2nd Ave, Muscatine, IA 52761
- County
- Muscatine
- Metro Area
- Muscatine, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 11, 1980
- Former names
- Community Bank and Trust Company (2012); Community Bank (1997-2012); Community Bank of Muscatine (1992-1997)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $280.3M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $326.1M
- Average total loans
- $195.5M
- Average interest-bearing deposits
- $229.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 11, 1980
- FDIC Cert
- 23189
- Fed RSSD
- 1015841
- Website
- www.commbk.net →
- Parent Holding Company
- C-B-G, INC. (RSSD 1201448)
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
From Q3 2023 to Q2 2026, Community Bank & Trust Company's total assets ranged from $269.1M (Q2 2024) to $319.1M (Q4 2025), 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
$303.5M total assets against $289.4M; $281.5M total liabilities against $271.2M.
$192.8M net loans and leases against $166.4M; $280.3M total deposits against $267.8M.
$78.7M securities against $87.3M; $12.5M cash and balances due against $15.4M.
$4.0M total interest income against $3.6M; $1.2M total interest expense against $1.1M.
$2.8M net interest income against $2.4M.
$382K total noninterest income against $300K; $1.9M total noninterest expense against $1.8M.
$120K provision for credit losses against $60K.
$1.1M net income against $786K.
1.31% return on assets against 1.04%; 3.66% net interest margin against 3.42%.
12.45% CET1 capital ratio against 12.70%; 8.28% tier 1 leverage ratio against 8.26%.
Inside the full Community Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Bank & Trust Company rankings
Its closest position to the top of a national ranking is 1,723 of 3,611, for ROA; its furthest is 2,823 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.68% (Q4 2024) to 1.83% (Q1 2026) and its net interest margin ran from 3.08% (Q3 2024) to 3.66% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.45% | 1.31% | 0.08% | 0.76% | 3.66% |
| Q1 2026 | 12.09% | 1.83% | 0.18% | 1.74% | 3.64% |
| Q4 2025 | 11.82% | 0.83% | 0.23% | 2.31% | 3.46% |
| Q3 2025 | 12.78% | 1.23% | 0.20% | 1.88% | 3.59% |
| Q2 2025 | 12.70% | 1.04% | 0.16% | 1.69% | 3.42% |
| Q1 2025 | 12.59% | 1.25% | 0.17% | 1.77% | 3.38% |
| Q4 2024 | 12.68% | 0.68% | 0.06% | 0.80% | 3.23% |
| Q3 2024 | 13.26% | 0.83% | 0.10% | 0.96% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Company | Muscatine , IA | 52761 | $138.7M |
| Wilton Branch | Wilton , IA | 52778 | $78.9M |
| Columbus Junction Branch | Columbus Junction , IA | 52738 | $40.1M |
| Wapello Branch | Wapello , IA | 52653 | $20.7M |
| Cedar Street Branch | Muscatine , IA | 52761 | $1.9M |
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 |
|---|---|---|---|
| January 3, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2006 | Structure Change | Acquired Wilton Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1997 | Structure Change | Acquired Peoples Bank of Columbus Junction Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 104 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $320K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Bank & Trust Company
What are Community Bank & Trust Company's total assets?
As of the Q2 2026 filing, Community Bank & Trust Company reported total assets of $303.5 million in its FFIEC call report.
Where is Community Bank & Trust Company headquartered?
It is headquartered in Muscatine, IA, United States.
When was Community Bank & Trust Company founded?
It was established in 1980, per the FDIC institution directory.
Is Community Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23189). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank & Trust Company?
Community Bank & Trust Company's primary federal regulator is the FDIC.
What is Community Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.45% in its Q2 2026 call report, above regulatory requirements.
How many branches does Community Bank & Trust Company operate?
It operates 5 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 & Trust Company's Texas Ratio?
Its Texas Ratio is 0.76% 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.
What was Community Bank & Trust Company previously called?
The charter now named Community Bank & Trust Company has also operated as Community Bank and Trust Company (2012), Community Bank (1997-2012), Community Bank of Muscatine (1992-1997), per FDIC structure-change records.
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