TellerScore

CBI Bank & Trust is a state-chartered bank (fed member) headquartered in Muscatine, Iowa, in business for about 93 years. At the end of Q2 2026 it reported $1.7B in total assets and $1.4B in deposits, with 24 offices across 3 states.

CBI Bank & Trust has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 175th. Problem-loan coverage contributes the most (90/100, 5.1%); capital cushion contributes the least (52/100, 10.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.23%
Loan quality66/100
Noncurrent loans ÷ total loans: 1.01%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 73.8% · 31.2% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (72 → 64), mostly because the loan quality component weakened by 27 points.

TellerScore
636872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202471
Q4 202471
Q1 202571
Q2 202572
Q3 202567
Q4 202568
Q1 202663
Q2 202664
Tier 1 leverage ratio
5.00%7.62%10.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.06%
Q3 20249.52%
Q4 20249.58%
Q1 20259.73%
Q2 20259.90%
Q3 20259.97%
Q4 202510.17%
Q1 202610.25%
Q2 202610.23%
Noncurrent loans
0.20%0.61%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.42%
Q3 20240.39%
Q4 20240.29%
Q1 20250.27%
Q2 20250.20%
Q3 20250.77%
Q4 20250.76%
Q1 20261.01%
Q2 20261.01%
Return on assets
0.97%1.17%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.37%
Q4 20241.25%
Q1 20251.10%
Q2 20251.15%
Q3 20251.16%
Q4 20251.19%
Q1 20260.97%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$1.7B10.23%1.01%1.11%73.8%
Q1 202663$1.7B10.25%1.01%0.97%75.3%
Q4 202568$1.6B10.17%0.76%1.19%75.9%
Q3 202567$1.6B9.97%0.77%1.16%74.5%
Q2 202572$1.6B9.90%0.20%1.15%74.3%
Q1 202571$1.6B9.73%0.27%1.10%72.9%
Q4 202471$1.6B9.58%0.29%1.25%75.9%
Q3 202471$1.6B9.52%0.39%1.37%75.1%
Q2 202467$1.6B9.06%0.42%1.06%73.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.23%
43rd
Total risk-based capital14.18%
56th
Problem loans1.01%
26th
Net charge-offs0.03%
52nd
Return on assets1.11%
39th
Net interest margin4.04%
71st
Efficiency ratio60.6%
45th
Loans to deposits73.8%
78th
Uninsured deposits31.2%
48th
Loan-loss reserves1.31%
70th
Texas ratio5.1%
38th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Lincoln Savings BankBank Reinbeck, IA27 out of 100, Low$1.7B9.1%4.32%vs
The Security National Bank of Sioux City, IowaBank Sioux City, IA81 out of 100, Strong$1.7B12.8%0.26%vs
Availa BankBank Carroll, IA65 out of 100, Moderate$1.7B9.3%0.26%vs
Community State BankBank Ankeny, IA76 out of 100, Strong$1.7B11.7%0.19%vs
First Citizens BankBank Mason City, IA81 out of 100, Strong$1.8B12.0%0.16%vs
Farmers State BankBank Waterloo, IA72 out of 100, Strong$1.6B11.2%0.01%vs

Deposit insurance

Is my money safe at CBI Bank & Trust?

Yes. CBI Bank & Trust is an FDIC-insured institution (FDIC certificate #1552). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.2% of deposits ($448.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.18% (benchmark: 10%).

Check how much of your own balance is covered

24 locations

Branches

CBI Bank & Trust lists 24 offices in 18 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
CBI Bank & Trust
Former names
Central State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
1552
RSSD ID
830542
Primary regulator
FED
Holding company
Central Bancshares Inc
Established
June 13, 1933
Headquarters
301 Iowa Ave, Muscatine, IA 52761
Employees
273

Quick answers

CBI Bank & Trust: common questions

Is CBI Bank & Trust FDIC insured?

Yes. CBI Bank & Trust is an FDIC-insured institution (FDIC certificate #1552). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is CBI Bank & Trust's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has CBI Bank & Trust ever failed?

There is no failure record for FDIC certificate #1552 in the FDIC failed bank list.

How many branches does CBI Bank & Trust have?

24 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Muscatine

InstitutionScoreAssetsCapitalProblem loansCompare
Blue Grass Savings BankBank Blue Grass, IA89 out of 100, Very strong$225.5M14.3%0.34%vs
Liberty Trust & Savings BankBank Durant, IA86 out of 100, Very strong$186.2M20.7%0.86%vs
Farmers and Merchants Savings BankBank Iowa City, IA83 out of 100, Strong$122.5M13.6%0.00%vs
Members Community Credit UnionCredit union Muscatine, IA82 out of 100, Strong$99.2M12.5%0.25%vs
Washington State BankBank Washington, IA78 out of 100, Strong$601.1M12.5%0.49%vs
South Ottumwa Savings BankBank Ottumwa, IA77 out of 100, Strong$565.4M13.0%0.83%vs