| Bank Cert #23189

Community Bank and Trust Company

Iowa JSON

Institution Profile

Address: 2609 2nd Ave Muscatine, IA 52761
Website:

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FDIC Profile:

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Established:

8/11/1980

Branches:

5

Branches by Region
IA 5

Financial Overview

Total Assets
$315.05M
Total Deposits
$292.15M
Total Loans
$196.49M
Equity Capital
$21.98M
Employees
53
Allowance for Loan Losses
$2.80M

Performance Ratios

Net Worth Ratio
6.98%
Loan-to-Deposit Ratio
67.26%
Coverage Ratio
1.43% Allowance / Total Loans
Net Income
$1.46M
Return on Assets (ROA)
1.85%
Return on Equity (ROE)
26.90%

Assets, Loans & Deposits Over Time

Assets, Loans & Deposits Over Time

Projected Assets

Scenario projections from 1Y, 2Y, and 3Y CAGR lookbacks over the next 12 quarters

Projected Assets (12 Quarters)

1Y CAGR Scenario: +6.65% 2Y CAGR Scenario: +6.60% 3Y CAGR Scenario: +5.01%

Employee Growth

Employee Growth

Loan Portfolio Breakdown

Current outstanding balances by loan type

1-4 Family Residential
$45.42M 23.2%
Farmland
$38.11M 19.4%
Commercial Real Estate
$32.69M 16.7%
Agricultural
$24.55M 12.5%
Commercial & Industrial
$20.77M 10.6%
Construction
$12.26M 6.3%
Other Consumer
$7.73M 3.9%
Auto Loans
$7.01M 3.6%
Multifamily
$3.78M 1.9%
Municipal
$3.74M 1.9%

Portfolio Distribution

Net Income Trend

Net Income Trend

Historical Data Table

QuarterTotal AssetsTotal DepositsTotal LoansNet IncomeEmployees
2026 Q1 $315.05M $292.15M $196.49M $1.46M 53
2025 Q4 $319.05M $296.43M $190.76M $3.27M 53
2025 Q3 $285.53M $263.54M $176.15M $2.62M 53
2025 Q2 $289.45M $267.75M $169.03M $1.70M 52
2025 Q1 $295.42M $273.93M $165.68M $912,000 50
2024 Q4 $279.08M $260.18M $159.37M $2.58M 50
2024 Q3 $278.64M $255.60M $154.83M $2.08M 48
2024 Q2 $269.09M $247.98M $151.54M $1.51M 51
2024 Q1 $277.26M $256.67M $155.05M $605,000 48
2023 Q4 $274.25M $253.02M $157.57M $2.54M 47
2023 Q3 $270.92M $252.04M $155.28M $2.08M 51
2023 Q2 $271.18M $256.85M $154.05M $1.59M 52
2023 Q1 $272.06M $257.05M $151.58M $1.09M 51
2022 Q4 $274.34M $260.69M $149.93M $2.43M 52
2022 Q3 $263.83M $246.02M $140.64M $1.90M 51
2022 Q2 $262.20M $246.94M $135.48M $1.34M 53
2022 Q1 $281.35M $259.43M $136.65M $656,000 55
2021 Q4 $284.30M $256.29M $139.41M $2.99M 57
2021 Q3 $284.52M $255.36M $136.12M $2.36M 53
2021 Q2 $276.56M $248.41M $138.09M $1.40M 57
2021 Q1 $267.69M $240.55M $141.80M $546,000 55
2020 Q4 $267.33M $238.66M $136.56M $1.56M 58
2020 Q3 $253.88M $225.10M $134.75M $1.16M 59
2020 Q2 $262.65M $234.16M $136.78M $795,000 57
2020 Q1 $241.90M $214.45M $134.94M $357,000 56