CBI Bank & Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
CBI Bank & Trust is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, CBI Bank & Trust reported $1.7B in total assets against $1.4B in deposits. Profitability is strong, 1.26% ROA, paired with 10.45% ROE and a 4.09% net interest margin. Regulatory capital is solid, 13.00% CET1 and 14.18% total risk-based capital ratio. Asset quality is solid, 1.21% nonperforming loans and a 8.31% Texas Ratio. Its footprint covers 24 branches concentrated in Iowa.
As of June 30, 2026, CBI Bank & Trust reported a CET1 capital ratio of 13.00%, a return on assets of 1.26%, a nonperforming-loan ratio of 1.21%, a Texas ratio of 8.31%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 301 Iowa Ave, Muscatine, IA 52761
- County
- Muscatine
- Metro Area
- Muscatine, IA
- 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 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 13, 1933
- Offices
- 24 domestic
- Employees (FTE)
- 273
- Domestic deposits
- $1.44B
- Allowance for credit losses
- $14.1M
- Net charge-offs (YTD)
- $157K
- Average total assets
- $1.66B
- Average total loans
- $1.08B
- Average interest-bearing deposits
- $1.37B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1552
- Fed RSSD
- 830542
- Website
- www.cbibt.bank →
- Parent Holding Company
- CENTRAL BANCSHARES, INC. (RSSD 1203899)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full CBI Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock CBI Bank & Trust, freeCBI Bank & Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.00% | 1.26% | 1.21% | 8.31% | 4.09% |
| Q1 2026 | 13.08% | 0.98% | 1.15% | 8.48% | 4.08% |
| Q4 2025 | 12.70% | 1.29% | 0.96% | 6.94% | 4.08% |
| Q3 2025 | 12.82% | 1.16% | 1.03% | 7.15% | 4.11% |
| Q2 2025 | 12.69% | 1.19% | 0.59% | 4.33% | 3.97% |
| Q1 2025 | 12.40% | 1.10% | 0.43% | 3.50% | 3.86% |
| Q4 2024 | 12.51% | 0.88% | 0.39% | 3.66% | 4.17% |
| Q3 2024 | 12.46% | 2.01% | 0.52% | 4.65% | 2.86% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 24 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| CBI Bank & Trust (main office) | Muscatine , IA | 52761 | $329.6M |
| Galesburg Branch | Galesburg , IL | 61401 | $231.1M |
| Senb Branch | Moline , IL | 61265 | $149.3M |
| Walcott Branch | Walcott , IA | 52773 | $86.4M |
| Park Avenue Branch | Muscatine , IA | 52761 | $73.7M |
| Henderson Branch | Galesburg , IL | 61401 | $71.6M |
| Farmers-Merchants Joy Branch | Joy , IL | 61260 | $47.5M |
| Brimfield Br | Brimfield , IL | 61517 | $44.4M |
| Beloit Wi Branch | Beloit , WI | 53511 | $38.7M |
| Buffalo Prairie Branch | Buffalo Prairie , IL | 61237 | $35.5M |
| West Chester Branch | Washington , IA | 52353 | $34.4M |
| Kalona Branch | Kalona , IA | 52247 | $33.5M |
| Roscoe Branch | Roscoe , IL | 61073 | $32.6M |
| Schaefer Farms Crossing Branch | Bettendorf , IA | 52722 | $31.4M |
| Freedom Security Branchg | Coralville , IA | 52241 | $31.3M |
| Peoria Branch | Peoria , IL | 61614 | $24.8M |
| Davenport Branch | Davenport , IA | 52801 | $24.1M |
| Davenport Branch | Davenport , IA | 52803 | $23.7M |
| Buffalo Branch | Buffalo , IA | 52728 | $23.3M |
| Wilton Branch | Wilton , IA | 52778 | $22.1M |
| Seminary Square Branch | Galesburg , IL | 61401 | $14.7M |
| Hyvee Branch | Muscatine , IA | 52761 | $14.6M |
| Davenport Branch | Davenport , IA | 52807 | $13.0M |
| Monmouth Branch | Monmouth , IL | 61462 | $9.2M |
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 |
|---|---|---|---|
| October 21, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2023 | Structure Change | Acquired SENB Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 6, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 6, 2021 | Structure Change | Acquired Farmers & Mechanics Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 6, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 6, 2020 | Structure Change | Acquired Walcott Trust and Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2015 | Structure Change | Acquired Buffalo Prairie State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 2013 | Structure Change | Acquired West Chester Savings Bank 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 10 events.
Regulatory record
What the public regulatory sources show for CBI Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action August 19, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in IA, rank 34 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 988 applications, 772 loans originated, $108.2M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about CBI Bank & Trust
What are CBI Bank & Trust's total assets?
As of the Q2 2026 filing, CBI Bank & Trust reported total assets of $1.70 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is CBI Bank & Trust headquartered?
CBI Bank & Trust is headquartered in Muscatine, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was CBI Bank & Trust founded?
CBI Bank & Trust was established in 1933, per the FDIC institution directory.
Is CBI Bank & Trust FDIC-insured?
Yes. CBI Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #1552). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CBI Bank & Trust?
CBI Bank & Trust's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is CBI Bank & Trust's CET1 capital ratio?
CBI Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 13.00% in its Q2 2026 call report, above regulatory requirements.
How many branches does CBI Bank & Trust operate?
CBI Bank & Trust operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CBI Bank & Trust's Texas Ratio?
CBI Bank & Trust's Texas Ratio is 8.31% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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