BlastPoint's Banking Scorecard
Community Bank and Trust Company
Muscatine, IA
5 branches across IA
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +4.7% year over year ($280.3M on the books).
- Delinquency rate 0.08%.
- Return on assets 1.62%.
- Efficiency ratio 57.81% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.78% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank and Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.30% above tier average
- + Efficiency Ratio 6.67% below tier average
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$303.5M
+4.8% YoY
-3.7% QoQ
|
-$83.1M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
47% |
| Total Loans ? |
$192.8M
+15.8% YoY
-0.5% QoQ
|
-$65.6M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
47% |
| Total Deposits ? |
$280.3M
+4.7% YoY
-4.1% QoQ
|
-$46.4M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
1.62%
+37.5% YoY
-12.2% QoQ
|
+0.30% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
3.78%
+6.4% YoY
+3.0% QoQ
|
-0.21% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
57.81%
-11.7% YoY
+6.1% QoQ
|
-6.67% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
0.08%
-51.4% YoY
-55.9% QoQ
|
-0.84% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
68.78%
+10.6% YoY
+3.7% QoQ
|
-9.17% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
22.57%
+2.2% YoY
-3.5% QoQ
|
+0.54% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.05%
-46.3% YoY
-54.4% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
12.45%
-2.0% YoY
+2.9% QoQ
|
-3.46% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.41%
+48.6% YoY
+50.0% QoQ
|
-0.16% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Top 14.2% in tier |
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 |
22.6%
+0.5pp YoY -0.8pp QoQ |
+0.4pp | 22.1% | 17.8% | 22.2% | 57% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
10.4%
-1.9pp YoY -0.3pp QoQ |
-1.1pp | 11.6% | 12.8% | 12.5% | 55% |
| CRE |
26.3%
+5.8pp YoY +1.1pp QoQ |
-13.3pp | 39.5% | 28.3% | 41.4% | 28% |
| 1-4 Family |
23.5%
+1.2pp YoY +0.1pp QoQ |
-9.1pp | 32.6% | 23.0% | 31.3% | 38% |
| Consumer |
7.9%
-0.9pp YoY +0.2pp QoQ |
+3.8pp | 4.1% | 2.9% | 5.0% | 88% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
-0.2pp YoY +0.4pp QoQ |
-6.4pp | 18.8% | 15.4% | 19.7% | 22% |
| Leverage Ratio |
8.3%
0.0pp YoY -0.1pp QoQ |
-3.9pp | 12.2% | 12.4% | 12.6% | 4% |
| Total Capital Ratio |
13.7%
-0.3pp YoY +0.4pp QoQ |
-6.2pp | 19.9% | 16.5% | 20.8% | 23% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
54
+2 (+3.8%) YoY +1 (+1.9%) QoQ |
-5 | 58 | 64 | 482 | 57% |
| Assets per Employee ($) |
$5.6M
+1.0% YoY -5.5% QoQ |
-$1.9M | $7.5M | $8.9M | $8.8M | 25% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 5 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 32% |
| Nonaccrual |
0.0%
-0.1pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 11% |
| Allowance Coverage |
19.27x
+100.5% YoY +136.4% QoQ |
-4.88x | 24.15x | 18.97x | 20.23x | 88% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 51% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.2%
+3.5pp YoY -3.7pp QoQ |
+11.0pp | 12.2% | 12.8% | 11.6% | 94% |
| Cost of Funds (YTD) |
1.6%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 45% |
| Net Income ($, YTD) |
$2.5M
+49.2% YoY — QoQ |
-$21K | $2.6M | $4.0M | $40.4M | 62% |
Get Full Access to Community Bank and Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.