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CBI Bank & Trust

$1B-$10B Specialty: Commercial IA FDIC cert 1552

Designations: ✓ Community bank

Muscatine, IA

24 branches across IA · IL · WI

884 banks in the $1B-$10B peer group nationally 27 in IA
View $1B-$10B leaderboard (IA) →

CBI Bank & Trust has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.24% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 22.6% in tier
  • - Efficiency Ratio 0.09% above tier average
  • - Delinquency Rate 0.13% above tier average
Get updates when CBI Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $1.7B
+3.4% YoY +0.7% QoQ
-$1.2B $2.8B
-0.1% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
41%
Total Loans ? $1.1B
+6.1% YoY -0.4% QoQ
-$901.9M $2.0B
+0.6% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
35%
Total Deposits ? $1.4B
+2.7% YoY +0.5% QoQ
-$930.7M $2.3B
-0.3% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
42%
Return on Assets ? 0.97%
-11.6% YoY -18.5% QoQ
-0.40% 1.37%
+19.6% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
30%
Net Interest Margin ? 4.06%
+6.3% YoY +1.0% QoQ
+0.24% 3.82%
+6.9% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
74%
Efficiency Ratio ? 61.15%
-2.7% YoY -1.8% QoQ
+0.09% 61.06%
-4.6% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
45%
Delinquency Rate ? 1.02%
+275.9% YoY +32.8% QoQ
+0.13% 0.89%
+14.1% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
26%
Loan-to-Deposit Ratio ? 75.25%
+3.3% YoY -0.9% QoQ
-8.95% 84.20%
+0.3% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
75%
Non-Interest-Bearing Deposit Share ? 19.00%
-1.0% YoY -3.7% QoQ
-2.29% 21.29%
-2.5% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
46%
Nonperforming Asset Ratio ? 0.66%
+238.5% YoY +31.7% QoQ
-0.02% 0.67%
+15.6% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
33%
Tier 1 Capital Ratio ? 13.08%
+5.5% YoY +3.0% QoQ
-2.08% 15.16%
+2.0% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.22%
-0.5% YoY -75.6% QoQ
-0.03% 0.26%
+1.6% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
76%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline
#20 of 84 • Bottom 22.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.97%
(Tier: 1.37%, National: 1.23%)
worse than tier avg
84 of 84 Mid-Market banks match · 407 nationally
↑ Growing +94 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

210
Non-Interest Income / Assets
revenue_mix
Value: 0.22%
Peer Median: 0.26%
#210 of 884 Top 23.6% in $1B-$10B
218
Loan-to-Deposit Ratio
liquidity
Value: 75.25%
Peer Median: 84.20%
#218 of 884 Top 24.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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