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Community Bank & Trust Company

Muscatine, IA · Cert 23189 · C-B-G Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$303.5MAssets
$195.7MLoans
$280.3MDeposits
$21.9MEquity
Loan mix
79%RE $132.3M12%C&I $20.8M9%Consumer $14.9MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $217.0M23%Noninterest $63.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.30%, up 33 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.08% of loans (-8 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.28%, up 2 bps from a year ago.
  • Funding: loans stand at 69.82% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.30%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+28 bps YoY

Efficiency Ratio (YTD, annualized)

57.81%-764 bps YoY

Tier 1 Leverage Ratio

8.28%+2 bps YoY

NIM

4.51%Q2 ’244.52%Q2 ’254.80%Q2 ’26+3%+9%

Non-interest income vs. expense

2.48%Q2 ’242.36%Q2 ’252.38%Q2 ’260%-12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.77%1.04%0.97%0.99%0.92%1.45%1.30%+33 bps
Return on Equity14.37%13.50%17.92%16.17%15.67%14.25%21.19%18.54%+238 bps
Net Interest Margin3.04%2.87%3.16%3.13%3.23%3.12%3.43%3.41%+28 bps
Efficiency Ratio70.21%72.83%63.48%65.45%64.89%66.72%54.49%57.81%-764 bps
Non-Interest Burden1.92%1.91%1.72%1.83%1.89%1.90%1.35%1.62%-22 bps
Growth
Asset Growth (YoY)2.85%1.76%6.55%7.56%2.47%14.32%6.65%4.85%-272 bps
Loan Growth (YoY)-0.29%1.14%6.86%11.54%13.77%19.69%18.59%15.78%+424 bps
Deposit Growth (YoY)1.41%2.83%6.72%7.98%3.11%13.93%6.65%4.68%-329 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.06%0.17%0.16%0.20%0.23%0.18%0.08%-8 bps
Net Charge-Offs / Loans-0.04%-0.02%0.00%0.03%0.03%0.04%0.00%0.02%-2 bps
Allowance / Loans1.61%1.56%1.54%1.52%1.49%1.41%1.43%1.49%-4 bps
Allowance Coverage of NPLs15.5x24.1x9.2x9.6x7.5x6.0x8.2x19.3x+9.7x
Capital
Tier 1 Leverage Ratio9.13%8.26%8.55%8.26%8.56%8.23%8.35%8.28%+2 bps
Total Risk-Based Capital14.51%13.93%13.84%13.95%14.03%13.06%13.34%13.70%-25 bps
Equity / Assets6.94%5.51%6.12%6.30%7.39%6.76%6.98%7.23%+94 bps
Liquidity & Funding
Loans / Deposits60.58%61.25%60.48%63.13%66.84%64.35%67.26%69.82%+669 bps
Liquid Assets / Assets2.44%2.37%5.91%3.87%0.29%6.63%4.83%2.87%-101 bps
CRE / Total Capitaln/an/an/an/a145.63%182.75%185.70%n/an/a