Community Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Bank & Trust Company of Muscatine, IA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.31% | 1.34% | -0.03% | 53rd above |
| ROAE | 19.49% | 13.31% | +6.18% | 86th top |
| Net Interest Margin | 3.66% | 3.93% | -0.27% | 35th below |
| Efficiency Ratio | 61.10% | 61.14% | -0.04% | 51st above |
| PPNR / Avg Assets | 1.49% | 1.68% | -0.19% | 44th below |
| Yield on Earning Assets | 5.22% | 5.67% | -0.45% | 32nd below |
| Cost of Funds | 1.62% | 1.88% | -0.26% | 62nd above |
| Net Interest Spread | 3.05% | 3.32% | -0.27% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 79th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 31st below |
| ACL / Total Loans | 1.49% | 1.28% | +0.21% | 77th top |
| ACL / NPLs (Coverage) | 3233.33% | 1538.13% | +1695.20% | — |
| Texas Ratio | 0.76% | 7.33% | -6.57% | 76th top |
| Provision / NCO | 1500.00% | 1395.44% | +104.56% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.45% | 19.51% | -7.06% | 22nd bottom |
| Tier 1 Ratio | 12.45% | 19.54% | -7.09% | 22nd bottom |
| Total Capital Ratio | 13.70% | 20.62% | -6.92% | 23rd bottom |
| Leverage Ratio | 8.28% | 12.14% | -3.86% | 4th bottom |
| Equity / Assets | 7.23% | 11.38% | -4.15% | 8th bottom |
| TCE / Tangible Assets | 5.68% | 11.09% | -5.41% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.82% | 80.64% | -10.82% | 71st above |
| Core Deposit Ratio | 82.36% | 86.86% | -4.50% | 22nd bottom |
| Wholesale Funding Ratio | 0.05% | 5.04% | -4.99% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.85% | 6.85% | -2.00% | 53rd above |
| Loan Growth (Y/Y) | 15.78% | 7.90% | +7.88% | 87th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.68% | 6.29% | -1.61% | 55th above |
See Community Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community Bank & Trust Company profile, how to read a UBPR, or how this data updates.