BlastPoint's Banking Scorecard
CBI Bank & Trust
Community
Specialty: Commercial
IA
FDIC cert 1552
Muscatine, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
CBI Bank & Trust faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+5.2% YoY
+2.6% QoQ
|
+$255.0M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$1.1B
+4.6% YoY
+4.7% QoQ
|
+$91.3M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.4B
+4.6% YoY
+2.7% QoQ
|
+$240.6M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.19%
-4.9% YoY
+2.8% QoQ
|
+0.02% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
4.02%
+7.5% YoY
+0.2% QoQ
|
+0.35% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
62.26%
+6.4% YoY
-2.2% QoQ
|
-0.38% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.77%
+165.5% YoY
-0.9% QoQ
|
+0.14% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
75.91%
-0.0% YoY
+1.9% QoQ
|
-7.15% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
19.73%
-0.2% YoY
+1.4% QoQ
|
-1.32% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.50%
+106.6% YoY
-1.0% QoQ
|
0 |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
12.70%
+1.5% YoY
-0.9% QoQ
|
+2.46% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.92%
-0.8% YoY
+32.2% QoQ
|
+0.18% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#293 of 642 · Bottom 46% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.74%
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
74
74th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
70
70th pctile
Loan-to-Deposit Ratio
Current: 75.91% · Tier avg: 83.06%
55
55th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.70% · Tier avg: 10.24%
49
49th pctile
Efficiency Ratio
Current: 62.26% · Tier avg: 62.63%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.73% · Tier avg: 21.05%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
33
33th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.63%
Top Weaknesses
33
33th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.63%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.73% · Tier avg: 21.05%
49
49th pctile
Efficiency Ratio
Current: 62.26% · Tier avg: 62.63%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.70% · Tier avg: 10.24%
55
55th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
70
70th pctile
Loan-to-Deposit Ratio
Current: 75.91% · Tier avg: 83.06%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
74
74th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
83
83th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.74%