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Commercial Bank & Trust Company
Monticello, AR · FDIC Certificate #90 · Chartered 01/0
Total assets
$364.05M
Total deposits
$335.99M
Total equity
$25.98M
Net loans
$245.79M
Branches (offices)
8
Net income (YTD)
$1.28M
Rank: #2,186 of 4,213 U.S. banks by assets · #43 of 78 in Arkansas. Assets changed -0.6% and deposits 0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.69% |
| Return on equity | 10.15% |
| Net interest margin (YTD) | 3.07% |
| Equity to assets | 7.14% |
| Tier 1 leverage ratio | 11.30% |
| Uninsured deposits (share of deposits) | 31.0% |
| Noncurrent loans (share of loans) | 5.40% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 73.2% |
| Real estate loans (share of loans) | 62.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $152.84M | 62.2% | |
| Commercial & industrial | $62.68M | 25.5% | |
| Consumer / individual | $27.03M | 11.0% | |
| Construction & development | $19.56M | 8.0% | |
| Agricultural | $6.64M | 2.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $244.97M | $234.45M | $1.69M | $10.24M |
| Jun 2023 | $250.63M | $231.28M | $943.00K | $9.08M |
| Jun 2024 | $361.99M | $337.67M | $594.00K | $17.15M |
| Jun 2025 | $366.41M | $335.95M | $1.22M | $21.22M |
| Jun 2026 | $364.05M | $335.99M | $1.28M | $25.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $335.99M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $335.99M.
Similar-sized banks
Amerifirst Bank ($364.12M) · The First National Bank Of Bangor ($363.67M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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