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Cbi Bank & Trust

Muscatine, IA · Cert 1552 · Central Bancshares Inc.

State charter, Fed member · FED · 24 branches

Q2 2026

$1.7BAssets
$1.1BLoans
$1.4BDeposits
$201.1MEquity
Loan mix
82%RE $807.3M17%C&I $171.2M1%Consumer $9.9MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.2B18%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.95%Q2 ’244.78%Q2 ’254.83%Q2 ’26-1%+4%

Non-interest income vs. expense

3.09%Q2 ’242.88%Q2 ’252.89%Q2 ’26-8%-2%

Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 4.1% share · #6 of 29 inst. · $0.4B of $10.5B

35.0% Muscatine
14.2% Knox
3.8% Scott
6.3% Rock Island

Executive Summary

  • Earnings: ROA of 1.11%, down 4 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 1.01% of loans (+80 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.23%, up 32 bps from a year ago.
  • Funding: loans stand at 74.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+15 bps YoY

Efficiency Ratio (YTD, annualized)

60.56%-235 bps YoY

Tier 1 Leverage Ratio

10.23%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.16%1.19%0.97%1.11%-4 bps
Return on Equity9.96%9.90%10.10%8.02%9.23%-73 bps
Net Interest Margin3.65%3.68%3.70%3.83%3.79%+15 bps
Efficiency Ratio62.91%63.64%62.26%61.15%60.56%-235 bps
Non-Interest Burden1.99%2.03%1.98%2.02%1.96%-3 bps
Growth
Asset Growth (YoY)0.72%2.97%5.19%3.43%8.11%+738 bps
Loan Growth (YoY)0.43%1.81%4.55%6.27%6.28%+585 bps
Deposit Growth (YoY)-0.08%2.71%4.59%2.74%6.84%+692 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.77%0.76%1.01%1.01%+80 bps
Net Charge-Offs / Loans0.09%0.11%0.05%0.04%0.03%-6 bps
Allowance / Loans1.14%1.09%1.12%1.28%1.31%+17 bps
Allowance Coverage of NPLs5.6x1.4x1.5x1.3x1.3x-4.3x
Capital
Tier 1 Leverage Ratio9.90%9.97%10.17%10.25%10.23%+32 bps
Total Risk-Based Capital13.69%13.80%13.71%14.23%14.18%+49 bps
Equity / Assets11.82%12.13%12.11%12.04%11.80%-2 bps
Liquidity & Funding
Loans / Deposits75.12%75.30%76.77%76.23%74.73%-39 bps
Liquid Assets / Assets7.09%7.07%6.80%7.40%8.56%+147 bps
CRE / Total Capitaln/a261%266%251%n/an/a