TellerScore

Community Bank and Trust Company is a state-chartered bank headquartered in Muscatine, Iowa, in business for about 46 years. At the end of Q2 2026 it reported $303.5M in total assets and $280.3M in deposits, with 5 offices.

Community Bank and Trust Company has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 113th. Problem-loan coverage contributes the most (99/100, 0.6%); capital cushion contributes the least (33/100, 8.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Tier 1 leverage ratio: 8.28%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 68.8% · 25.1% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.61%

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 3 points (70 → 73), mostly because the earnings component improved by 18 points.

TellerScore
667074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202472
Q4 202469
Q1 202571
Q2 202570
Q3 202570
Q4 202567
Q1 202674
Q2 202673
Tier 1 leverage ratio
5.00%7.07%9.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.89%
Q3 20249.13%
Q4 20248.26%
Q1 20258.55%
Q2 20258.26%
Q3 20258.56%
Q4 20258.23%
Q1 20268.35%
Q2 20268.28%
Noncurrent loans
0.06%0.42%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.78%
Q3 20240.10%
Q4 20240.06%
Q1 20250.17%
Q2 20250.16%
Q3 20250.20%
Q4 20250.23%
Q1 20260.18%
Q2 20260.08%
Return on assets
0.94%1.39%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20241.01%
Q4 20240.94%
Q1 20251.27%
Q2 20251.18%
Q3 20251.22%
Q4 20251.11%
Q1 20261.85%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$303.5M8.28%0.08%1.62%68.8%
Q1 202674$315.1M8.35%0.18%1.85%66.3%
Q4 202567$319.1M8.23%0.23%1.11%63.4%
Q3 202570$285.5M8.56%0.20%1.22%65.8%
Q2 202570$289.4M8.26%0.16%1.18%62.2%
Q1 202571$295.4M8.55%0.17%1.27%59.6%
Q4 202469$279.1M8.26%0.06%0.94%60.3%
Q3 202472$278.6M9.13%0.10%1.01%59.6%
Q2 202466$269.1M8.89%0.78%1.10%60.1%

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).

Capital ratio8.28%
4th
Total risk-based capital13.70%
60th
Problem loans0.08%
76th
Net charge-offs0.02%
41st
Return on assets1.62%
72nd
Net interest margin3.78%
41st
Efficiency ratio57.8%
64th
Loans to deposits68.8%
71st
Uninsured deposits25.1%
46th
Loan-loss reserves1.49%
78th
Texas ratio0.6%
75th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Savings BankBank Primghar, IA80 out of 100, Strong$304.8M13.6%0.32%vs
Farmers Savings BankBank Colesburg, IA59 out of 100, Moderate$299.1M11.0%1.87%vs
Leighton State BankBank Pella, IA74 out of 100, Strong$298.2M11.0%0.79%vs
Crawford County Trust and Savings BankBank Denison, IA80 out of 100, Strong$294.5M9.9%0.03%vs
State Savings BankBank West Des Moines, IA58 out of 100, Moderate$291.9M8.7%1.02%vs
United Community BankBank Milford, IA51 out of 100, Below average$290.0M8.5%1.51%vs

Deposit insurance

Is my money safe at Community Bank and Trust Company?

Yes. Community Bank and Trust Company is an FDIC-insured institution (FDIC certificate #23189). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.1% of deposits ($70.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.28%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.70% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Community Bank and Trust Company lists 5 offices in 4 cities. Most locations:

  • Muscatine, IA (2)
  • Columbus Junction, IA (1)
  • Wapello, IA (1)
  • Wilton, IA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Community Bank and Trust Company
Former names
Community Bank of Muscatine; Community Bank; Community National Bank of Muscatine
Type
State-chartered bank
FDIC certificate #
23189
RSSD ID
1015841
Primary regulator
FDIC
Holding company
C-B-G Inc
Established
August 11, 1980
Headquarters
2609 2nd Ave, Muscatine, IA 52761
Employees
54

Quick answers

Community Bank and Trust Company: common questions

Is Community Bank and Trust Company FDIC insured?

Yes. Community Bank and Trust Company is an FDIC-insured institution (FDIC certificate #23189). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank and Trust Company's TellerScore?

73 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 Company ever failed?

There is no failure record for FDIC certificate #23189 in the FDIC failed bank list.

How many branches does Community Bank and Trust Company have?

5 offices as of the latest FDIC data.

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