Headquartered in Neosho, Missouri, Community Bank and Trust is a state-chartered bank (fed member) with $445.1M in total assets and $394.4M in deposits as of Q2 2026. It operates 13 offices across 2 states. Its charter dates back to 1884.
Based on its Q2 2026 filing, Community Bank and Trust scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 96th. Its strongest component is funding & liquidity (99/100; 52% loans-to-deposits, 16% uninsured), and its lowest is capital cushion (34/100; 8.37%).
TellerScore · Q2 2026
Scorecard
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 rose 2 points (70 → 72), mostly because the capital cushion component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 71 |
| Q4 2024 | 71 |
| Q1 2025 | 70 |
| Q2 2025 | 70 |
| Q3 2025 | 71 |
| Q4 2025 | 72 |
| Q1 2026 | 71 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.87% |
| Q3 2024 | 8.20% |
| Q4 2024 | 7.90% |
| Q1 2025 | 8.00% |
| Q2 2025 | 7.77% |
| Q3 2025 | 8.02% |
| Q4 2025 | 8.01% |
| Q1 2026 | 8.22% |
| Q2 2026 | 8.37% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.13% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 1.02% |
| Q4 2024 | 1.05% |
| Q1 2025 | 0.91% |
| Q2 2025 | 1.02% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.12% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $445.1M | 8.37% | 0.13% | 1.12% | 51.6% |
| Q1 2026 | 71 | $441.9M | 8.22% | 0.07% | 1.01% | 49.6% |
| Q4 2025 | 72 | $432.8M | 8.01% | 0.02% | 1.12% | 52.8% |
| Q3 2025 | 71 | $437.5M | 8.02% | 0.03% | 1.11% | 51.0% |
| Q2 2025 | 70 | $433.8M | 7.77% | 0.03% | 1.02% | 49.0% |
| Q1 2025 | 70 | $430.6M | 8.00% | 0.04% | 0.91% | 48.2% |
| Q4 2024 | 71 | $410.0M | 7.90% | 0.05% | 1.05% | 48.5% |
| Q3 2024 | 71 | $415.0M | 8.20% | 0.06% | 1.02% | 49.0% |
| Q2 2024 | 70 | $416.4M | 7.87% | 0.07% | 0.92% | 48.4% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| New Era BankBank Fredericktown, MO | 95 out of 100, Very strong | $453.1M | 14.0% | 0.02% | vs |
| Exchange Bank of MissouriBank Fayette, MO | 49 out of 100, Below average | $453.8M | 9.5% | 2.59% | vs |
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| Heritage Bank of the OzarksBank Lebanon, MO | 45 out of 100, Below average | $424.0M | 9.6% | 2.74% | vs |
| Bank of Franklin CountyBank Washington, MO | 65 out of 100, Moderate | $419.4M | 9.5% | 0.27% | vs |
| MA BankBank Macon, MO | 65 out of 100, Moderate | $417.3M | 9.5% | 0.96% | vs |
Deposit insurance
Is my money safe at Community Bank and Trust?
Yes. Community Bank and Trust is an FDIC-insured institution (FDIC certificate #13068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.1% of deposits ($63.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.37%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 28.89% (benchmark: 10%).
13 locations
Branches
Community Bank and Trust lists 13 offices in 9 cities across 2 states. Most locations:
- Joplin, MO (3)
- Neosho, MO (3)
- Anderson, MO (1)
- Carl Junction, MO (1)
- Carthage, MO (1)
- Diamond, MO (1)
- Galena, KS (1)
- Granby, MO (1)
- Seneca, MO (1)
Identity & history
Profile
- Legal name
- Community Bank and Trust
- Former names
- Bank of Neosho
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 13068
- RSSD ID
- 957757
- Primary regulator
- FED
- Holding company
- Community Bancshares Employee Stk Ownership Plan
- Established
- January 1, 1884
- Headquarters
- 100 S Wood St, Neosho, MO 64850
- Website
- www.cbthomebank.com
- Employees
- 119
Quick answers
Community Bank and Trust: common questions
Is Community Bank and Trust FDIC insured?
Yes. Community Bank and Trust is an FDIC-insured institution (FDIC certificate #13068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community Bank and Trust's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Community Bank and Trust ever failed?
There is no failure record for FDIC certificate #13068 in the FDIC failed bank list.
How many branches does Community Bank and Trust have?
13 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Neosho
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Service 1 Federal Credit UnionCredit union Muskegon, MI | 89 out of 100, Very strong | $198.5M | 18.6% | 0.42% | vs |
| Joplin Metro Credit UnionCredit union Joplin, MO | 89 out of 100, Very strong | $57.8M | 17.7% | 0.78% | vs |
| The Baxter State BankBank Baxter Springs, KS | 84 out of 100, Strong | $25.2M | 19.7% | 1.11% | vs |
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Legacy Credit UnionCredit union Joplin, MO | 80 out of 100, Strong | $25.4M | 17.5% | 1.60% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |