| Metric | CBI Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +5.5% | +2.6 pts |
| Deposit growth (YoY) | +6.8% | +5.1% | +1.8 pts |
| Loan growth (YoY) | +6.1% | +5.9% | +0.2 pts |
| ROA | 1.11% | 1.26% | -0.2 pts |
| ROE | 9.2% | 12.2% | -2.9 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.70B | $1.44B | $1.06B | $201.1M | $9.2M | 1.11% | 4.04% | 0.64% |
| Q1 2026 | $1.66B | $1.41B | $1.06B | $199.6M | $4.0M | 0.97% | 4.06% | 0.66% |
| Q4 2025 | $1.65B | $1.41B | $1.07B | $199.3M | $19.0M | 1.19% | 4.02% | 0.50% |
| Q3 2025 | $1.60B | $1.37B | $1.02B | $194.7M | $13.8M | 1.16% | 4.01% | 0.50% |
| Q2 2025 | $1.58B | $1.35B | $1.00B | $186.2M | $9.1M | 1.15% | 3.93% | 0.15% |
| Q1 2025 | $1.60B | $1.37B | $1.00B | $183.3M | $4.3M | 1.10% | 3.82% | 0.19% |
| Q4 2024 | $1.57B | $1.34B | $1.02B | $176.7M | $19.4M | 1.25% | 3.74% | 0.24% |
| Q3 2024 | $1.56B | $1.33B | $1.00B | $180.7M | $16.0M | 1.37% | 3.61% | 0.29% |
Loan mix (Q2 2026): real estate $819.9M · commercial $158.9M · consumer $9.7M · securities $405.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | CBI Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.26% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 12.2% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 59.0% | 55th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | CBI Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | CBI Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | CBI Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | CBI Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | CBI Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
24 branches in 11 counties across 3 states (+0 vs 2024) · $1.35B branch deposits. Biggest market: Muscatine, IA, ranked 1st with 40.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Muscatine, IA | 4 | $403.8M | 39.95% | 1st |
| Knox, IL | 3 | $294.7M | 12.23% | 2nd |
| Scott, IA | 6 | $194.8M | 2.73% | 9th |
| 8 more counties with Pro → | ||||
Iowa: 40th with 0.47% · Illinois: 102nd with 0.08% · Wisconsin: 261st with 0.01% · Davenport-Moline-Rock Island metro: 10th, 2.81% · Iowa City metro: 12th, 1.46% ·
Branch count: 2022 17 · 2023 17 · 2024 24 · 2025 24