Community 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 Reserve coverage of non-performing loans: 1817.17 percentage points higher than in Q1 2026, at 3233.33%. Community Bank & Trust Company ranks 123rd of 225 Iowa banks on return on assets, in the lower half at 1.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Community Bank & Trust Company sits 0.06 points higher, at 1.31% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.45% |
| Tier 1 risk-based capital ratio | 12.45% |
| Total risk-based capital ratio | 13.70% |
| Tier 1 leverage ratio | 8.28% |
| Equity capital to assets | 7.23% |
| Tangible equity to tangible assets | 5.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.76% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 3233.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 19.49% |
| Net interest margin | 3.66% |
| Efficiency ratio | 61.10% |
| Yield on earning assets | 5.22% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.82% |
| Core deposits to total deposits | 82.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.36% |
| Securities to assets | 25.92% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.11% | 13.11% | 14.36% | 8.99% | 0.72% |
| Q4 2023 | 12.66% | 12.66% | 13.91% | 8.99% | 0.69% |
| Q1 2024 | 12.77% | 12.77% | 14.03% | 8.92% | 0.90% |
| Q2 2024 | 13.29% | 13.29% | 14.54% | 8.89% | 1.31% |
| Q3 2024 | 13.26% | 13.26% | 14.51% | 9.13% | 0.83% |
| Q4 2024 | 12.68% | 12.68% | 13.93% | 8.26% | 0.68% |
| Q1 2025 | 12.59% | 12.59% | 13.84% | 8.55% | 1.25% |
| Q2 2025 | 12.70% | 12.70% | 13.95% | 8.26% | 1.04% |
| Q3 2025 | 12.78% | 12.78% | 14.03% | 8.56% | 1.23% |
| Q4 2025 | 11.82% | 11.82% | 13.06% | 8.23% | 0.83% |
| Q1 2026 | 12.09% | 12.09% | 13.34% | 8.35% | 1.83% |
| Q2 2026 | 12.45% | 12.45% | 13.70% | 8.28% | 1.31% |
Community Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23189) · FFIEC NIC profile (RSSD 1015841)