Community Bank&Trust Co
Muscatine, Iowa · FDIC Cert #23189
Community Bank&Trust Co is an FDIC-insured bank (Certificate #23189) with $269M in total assets and $248M in total deposits as of the Q2 2024 Call Report. Headquartered in Muscatine, Iowa, the bank maintains a Tier 1 capital ratio of 13.29% (Well-Capitalized) and a nonperforming loan ratio of 0.78%. BankHealthData assigns a composite Health Grade of A (87/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Community Bank&Trust Co (FDIC cert 23189) is a community bank — $269M in total assets, $248M in deposits, serving the Muscatine, Iowa area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.29% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.78% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 36.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.16% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Community Bank&Trust Co carries a composite BankHealth grade of A (87/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Community Bank&Trust Co
- Total Assets
- $269M
- Total Deposits
- $248M
- Tier 1 Capital Ratio
- 13.29%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.78%
- Liquidity Ratio
- 36.89%
- Return on Assets
- 1.16%
- Headquarters
- Muscatine, Iowa
- FDIC Certificate
- #23189
- Health Grade
- A (87/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Community Bank&Trust Co holds a Tier 1 capital ratio of 13.29%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Community Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Community Bank&Trust Co shows strong financial health indicators. With $269M in assets and a Health Score of 87/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Community Bank&Trust Co Compares
Community Bank&Trust Co’s Health Score of 87 is 19 points above the Iowa state average of 68 across 162 FDIC-insured banks. Its 13.29% Tier 1 capital ratio is 0.7 points below the US banking industry average near 14%. The 0.78% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.16% is in line with or above the national ROA benchmark of ~1.1%. Among 1582 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Community Bank&Trust Co is 17 points above the portfolio average of 70.
Frequently Asked Questions
Community Bank&Trust Co has a Bank Health Score of A (87/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.29%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Community Bank&Trust Co's Tier 1 capital ratio of 13.29% and nonperforming loan ratio of 0.78% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Community Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #23189). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Community Bank&Trust Co holds $269M in total assets and $248M in total deposits. It is headquartered in Muscatine, Iowa (FDIC Certificate #23189).
Community Bank&Trust Co has a Tier 1 capital ratio of 13.29%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.78%, and the return on assets is 1.16%.
Yes. Community Bank&Trust Co is FDIC-insured (Certificate #23189). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Community Bank&Trust Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.