Community Bank & Trust Company
Muscatine, IA · Cert 23189 · Peer group: banks under $1B in assets in IA (n=134-135) · C-B-G Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$303.5MAssets
$195.7MLoans
$280.3MDeposits
$21.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 96% of banks under $1B in assets in IA (rank 5 of 135).
- Widest gap: equity / assets trails 98% of banks under $1B in assets in IA (rank 132 of 135).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.33%
Rank 55 of 135
Net Interest Margin
3.41%
Rank 68 of 135
Efficiency Ratio
57.81%
Rank 71 of 135
Equity / Assets
7.23%
Rank 132 of 135
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 48% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.92% | 1.19% | 1.47% | Beats 59% | 55 / 135 | |
| Return on Equity | 18.44% | 7.99% | 10.26% | 13.14% | Beats 96% | 5 / 135 | |
| Net Interest Margin | 3.41% | 2.95% | 3.41% | 3.73% | Beats 50% | 68 / 135 | |
| Efficiency Ratio | 57.81% | 50.61% | 57.35% | 63.29% | Beats 48% | 71 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.03% | 0.51% | 1.26% | Beats 71% | 40 / 134 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.03% | Beats 31% | 93 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 12.45% | 11.23% | 13.31% | 15.45% | Beats 39% | 83 / 135 | |
| Total Risk-Based Capital Ratio | 13.70% | 11.61% | 14.06% | 16.47% | Beats 48% | 70 / 135 | |
| Equity / Assets | 7.23% | 9.87% | 11.05% | 13.07% | Beats 2% | 132 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 69.82% | 68.54% | 81.55% | 91.24% | 26th pctl | 99 / 134 | |
| Loans / Assets | 64.48% | 57.61% | 68.06% | 76.23% | 41st pctl | 79 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |