Community Bank and Trust Company: how it compares with its peers
Against 112 IA banks with half to twice its assets, Community Bank and Trust Company's strongest measure in Q2 2026 is return on assets (1.62% vs. a 1.40% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $8.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.62% | 1.40% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 3.57% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.81% | 54.60% | Middle third Ahead of 42% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $8.6M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.78% | 80.42% | Context |
What it means for lending operations
Its efficiency ratio of 57.81% is above the 54.60% 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
- Savings Bank Primghar, IA · $305M
- Farmers Savings Bank Colesburg, IA · $299M
- Leighton State Bank Pella, IA · $298M
- Crawford County Trust and Savings Bank Denison, IA · $294M
- State Savings Bank West Des Moines, IA · $292M
- United Community Bank Milford, IA · $290M
Questions about Community Bank and Trust Company
How big is Community Bank and Trust Company?
Community Bank and Trust Company, established in 1980, is headquartered in Muscatine, IA. It reported $303M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Community Bank and Trust Company's return on assets?
1.62% annualized in Q2 2026, against a 1.40% median for 112 IA banks with half to twice its assets, ahead of 69% of them.
What is Community Bank and Trust Company's efficiency ratio?
57.81% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 54.60%, and lower is better.
Is Community Bank and Trust Company growing its loans?
Net loans grew 15.8% over the year to Q2 2026, while deposits grew 4.7%.
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.