Community Bank and Trust: how it compares with its peers
Against 75 MO banks with half to twice its assets, Community Bank and Trust's strongest measure in Q2 2026 is return on assets (1.12% vs. a 1.67% peer median). Its weakest relative measure is assets per employee ($3.7M vs. $6.8M).
| Measure | Community Bank and Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.12% | 1.67% | Bottom third Ahead of 16% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.64% | 4.18% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.85% | 57.00% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.7M | $6.8M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 51.61% | 87.78% | Context |
What it means for lending operations
Its efficiency ratio of 74.85% is above the 57.00% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- New Era Bank Fredericktown, MO · $453M
- Exchange Bank of Missouri Fayette, MO · $454M
- The Missouri Bank Warrenton, MO · $461M
- Heritage Bank of the Ozarks Lebanon, MO · $424M
- Bank of Franklin County Washington, MO · $419M
- MA Bank Macon, MO · $417M
Questions about Community Bank and Trust
How big is Community Bank and Trust?
Community Bank and Trust, established in 1884, is headquartered in Neosho, MO. It reported $445M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Community Bank and Trust's return on assets?
1.12% annualized in Q2 2026, against a 1.67% median for 75 MO banks with half to twice its assets, ahead of 16% of them.
What is Community Bank and Trust's efficiency ratio?
74.85% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 57.00%, and lower is better.
Is Community Bank and Trust growing its loans?
Net loans grew 9.5% over the year to Q2 2026, while deposits grew 4.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.