CBI Bank & Trust: how it compares with its peers
Against 23 IA banks with half to twice its assets, CBI Bank & Trust's strongest measure in Q2 2026 is net interest margin (4.04% vs. a 3.54% peer median). Its weakest relative measure is assets per employee ($6.2M vs. $8.9M).
| Measure | CBI Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.35% | Bottom third Ahead of 22% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.04% | 3.54% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.56% | 52.80% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $8.9M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.76% | 90.84% | Context |
What it means for lending operations
Its efficiency ratio of 60.56% is above the 52.80% 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
- Lincoln Savings Bank Reinbeck, IA · $1.71B
- The Security National Bank of Sioux City, Iowa Sioux City, IA · $1.69B
- Availa Bank Carroll, IA · $1.73B
- Community State Bank Ankeny, IA · $1.75B
- First Citizens Bank Mason City, IA · $1.80B
- Farmers State Bank Waterloo, IA · $1.60B
Questions about CBI Bank & Trust
How big is CBI Bank & Trust?
CBI Bank & Trust, established in 1933, is headquartered in Muscatine, IA. It reported $1.70B in total assets in its Q2 2026 FDIC call report and operates 24 offices.
What is CBI Bank & Trust's return on assets?
1.11% annualized in Q2 2026, against a 1.35% median for 23 IA banks with half to twice its assets, ahead of 22% of them.
What is CBI Bank & Trust's efficiency ratio?
60.56% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 52.80%, and lower is better.
Is CBI Bank & Trust growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits grew 6.8%.
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 IA 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 Iowa bank ranked.