BlastPoint's Banking Scorecard
CBI Bank & Trust
Designations: ✓ Community bank
Muscatine, IA
24 branches across IA · IL · WI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
- Deposits +6.8% year over year ($1.4B on the books).
- Delinquency rate 1.02%.
- Return on assets 1.11%.
- Efficiency ratio 60.56% vs a 59.73% peer average.
- Loan-to-deposit ratio 73.76% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
CBI Bank & Trust has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Efficiency Ratio 0.83% above tier average
- - Delinquency Rate 0.15% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+8.1% YoY
+2.7% QoQ
|
-$1.1B |
$2.8B
-0.6% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
43% |
| Total Loans ? |
$1.1B
+6.1% YoY
-0.1% QoQ
|
-$900.8M |
$2.0B
-0.3% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$1.4B
+6.8% YoY
+2.0% QoQ
|
-$878.5M |
$2.3B
-0.5% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
1.11%
-3.6% YoY
+14.2% QoQ
|
-0.28% |
1.39%
+17.0% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
4.04%
+2.8% YoY
-0.5% QoQ
|
+0.17% |
3.87%
+6.2% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
60.56%
-3.7% YoY
-1.0% QoQ
|
+0.83% |
59.73%
-12.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
1.02%
+395.7% YoY
+0.1% QoQ
|
+0.15% |
0.87%
+11.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
73.76%
-0.7% YoY
-2.0% QoQ
|
-11.28% |
85.04%
-0.1% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
18.24%
-6.4% YoY
-4.0% QoQ
|
-3.03% |
21.27%
-1.5% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.64%
+325.9% YoY
-2.8% QoQ
|
-0.04% |
0.67%
+11.7% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
13.00%
+2.4% YoY
-0.6% QoQ
|
-1.84% |
14.84%
-0.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.46%
+1.5% YoY
+103.8% QoQ
|
-0.07% |
0.53%
+2.5% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
77% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.2%
-1.2pp YoY -0.8pp QoQ |
-3.1pp | 21.4% | 17.8% | 22.2% | 41% |
| Brokered Deposits | n/a | n/a | 9.5% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.0%
-0.8pp YoY -1.1pp QoQ |
+1.0pp | 14.0% | 12.8% | 12.5% | 68% |
| CRE |
38.9%
+0.2pp YoY +0.4pp QoQ |
-11.1pp | 50.0% | 28.3% | 41.4% | 22% |
| 1-4 Family |
26.1%
+1.2pp YoY +1.1pp QoQ |
-0.4pp | 26.4% | 23.0% | 31.3% | 57% |
| Consumer |
0.9%
-0.2pp YoY 0.0pp QoQ |
-3.8pp | 4.7% | 2.9% | 5.0% | 43% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
+0.3pp YoY -0.1pp QoQ |
-2.6pp | 15.6% | 15.4% | 19.7% | 41% |
| Leverage Ratio |
10.2%
+0.3pp YoY 0.0pp QoQ |
-1.1pp | 11.3% | 12.4% | 12.6% | 43% |
| Total Capital Ratio |
14.2%
+0.5pp YoY -0.1pp QoQ |
-2.5pp | 16.7% | 16.5% | 20.8% | 42% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
273
-20 (-6.8%) YoY +2 (+0.7%) QoQ |
-41 | 313 | 64 | 482 | 60% |
| Assets per Employee ($) |
$6.2M
+16.0% YoY +2.0% QoQ |
-$4.2M | $10.5M | $8.9M | $8.8M | 14% |
| Branch Count |
24
0 YoY 0 QoQ |
+4 | 20 | 5 | 18 | 74% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 62% |
| Nonaccrual |
1.0%
+0.8pp YoY +0.1pp QoQ |
+0.1pp | 0.8% | 1.0% | 1.0% | 73% |
| Allowance Coverage |
1.30x
-76.7% YoY +1.8% QoQ |
-17.41x | 18.71x | 18.97x | 20.23x | 33% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 45% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.2%
-0.7pp YoY +1.2pp QoQ |
-3.4pp | 12.6% | 12.8% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.9% | 1.8% | 1.7% | 12% |
| Net Income ($, YTD) |
$9.2M
+1.8% YoY — QoQ |
-$10.0M | $19.2M | $4.0M | $40.4M | 36% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.