Cbi Bank & Trust
Muscatine, IA · Cert 1552 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Central Bancshares Inc.
State charter, Fed member · FED · 24 branches
Q2 2026
$1.7BAssets
$1.1BLoans
$1.4BDeposits
$201.1MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 75% of banks $1B-$10B in assets operating regionally (rank 44 of 176).
- Widest gap: return on equity trails 76% of banks $1B-$10B in assets operating regionally (rank 134 of 176).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.08%
Rank 111 of 176
Net Interest Margin
3.79%
Rank 61 of 176
Efficiency Ratio
62.62%
Rank 102 of 176
Equity / Assets
11.80%
Rank 44 of 176
Non-interest income vs. expense
Unfavorable gap of $32.5M · efficiency ratio beats 43% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.93% | 1.26% | 1.54% | Beats 37% | 111 / 176 | |
| Return on Equity | 9.18% | 9.26% | 11.89% | 14.46% | Beats 24% | 134 / 176 | |
| Net Interest Margin | 3.79% | 3.25% | 3.59% | 3.93% | Beats 65% | 61 / 176 | |
| Efficiency Ratio | 62.62% | 52.79% | 59.55% | 67.66% | Beats 43% | 102 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.01% | 0.30% | 0.64% | 1.32% | Beats 32% | 120 / 176 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.10% | Beats 65% | 62 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 13.00% | 11.15% | 12.72% | 14.15% | Beats 55% | 80 / 176 | |
| Total Risk-Based Capital Ratio | 14.18% | 11.81% | 13.63% | 15.33% | Beats 60% | 70 / 176 | |
| Equity / Assets | 11.80% | 9.16% | 10.35% | 11.80% | Beats 75% | 44 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 74.73% | 80.94% | 89.73% | 97.21% | 13th pctl | 153 / 176 | |
| Loans / Assets | 63.19% | 69.25% | 75.12% | 80.82% | 11th pctl | 156 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |