Community Bank and Trust Company
Total assets
$303.5M
▲ +4.8% YoY
Deposits
$280.3M
▲ +4.7% YoY
Loans
$192.8M
▲ +15.8% YoY
Offices
5
C-B-G INC
ROA (annualized)
1.62%
peers 1.24%
ROE (annualized)
23.22%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +4.7% | +4.0% | +0.7 pts |
| Loan growth (YoY) | +15.8% | +5.6% | +10.2 pts |
| ROA | 1.62% | 1.24% | +0.4 pts |
| ROE | 23.2% | 11.9% | +11.4 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
Profile
- Established
- 1980
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- C-B-G INC
- Specialization
- Agricultural Specialization
- Address
- 2609 2nd Ave, Muscatine, IA, 52761
- County
- Muscatine
- Metro area
- Muscatine, IA
- Offices
- 5
- FDIC cert #
- 23189
- RSSD ID
- 1015841
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $303.5M | $280.3M | $192.8M | $21.9M | $2.5M | 1.62% | 3.78% | 0.05% |
| Q1 2026 | $315.1M | $292.1M | $193.7M | $22.0M | $1.5M | 1.85% | 3.67% | 0.11% |
| Q4 2025 | $319.1M | $296.4M | $188.1M | $21.6M | $3.3M | 1.11% | 3.59% | 0.14% |
| Q3 2025 | $285.5M | $263.5M | $173.5M | $21.1M | $2.6M | 1.22% | 3.63% | 0.12% |
| Q2 2025 | $289.4M | $267.8M | $166.4M | $18.2M | $1.7M | 1.18% | 3.55% | 0.09% |
| Q1 2025 | $295.4M | $273.9M | $163.1M | $18.1M | $912K | 1.27% | 3.46% | 0.09% |
| Q4 2024 | $279.1M | $260.2M | $156.9M | $15.4M | $2.6M | 0.94% | 3.33% | 0.04% |
| Q3 2024 | $278.6M | $255.6M | $152.3M | $19.3M | $2.1M | 1.01% | 3.28% | 0.06% |
Loan mix (Q2 2026): real estate $135.2M · commercial $20.1M · consumer $15.2M · securities $78.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 23.2% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.96% | 40th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.8% | 62.9% | 35th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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