CBI Bank & Trust

301 Iowa Avenue
Muscatine, IA 52761

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1552
Date Established 1933
Assets $0.53 billion
Loans $0.38 billion
Deposits $0.46 billion
Capital $0.06 billion

CBI Bank & Trust is an FDIC insured institution located in Muscatine, IA. It was founded in 1933 and has approximately $0.53 billion in assets. Customers can open an account at one of its 10 branches.

For a more detailed analysis of CBI Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in CBI Bank & Trust’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks, CBI Bank & Trust’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.35
Multifamily
Mortgages
1.74
Credit Card Loans 0.00
Consumer Auto Loans 2.65
Small Business Loans 0.00
Construction and Development Loans 4.12
Commercial Real Estate 15.47
Commercial and Industrial Loans 15.48
Farm Loans 16.23

Deposit Rates - February 19, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Cbi Bank & Trust, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - February 19, 2019

Your Current Location: Washington, WA 98109

Home Equity Rates APR Rate Monthly Payment
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

CBI Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


CBI Bank & Trust Locations


Financial Details

CBI Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CBI Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
CBI Bank & Trust U.S. Bank Average
3.16% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, CBI Bank & Trust had $2,029,000 in non-current loans and $55,000 in owned real estate. To cover these potential losses it had $61,405,000 in equity and $4,584,000 in loans loss reserves. That gives it a Texas Ratio of 3.16%.

Return on Equity
CBI Bank & Trust U.S. Bank Average
9.07% 9.95%

CBI Bank & Trust has a Return on Equity of 9.07% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
CBI Bank & Trust U.S. Bank Average
11.52% 12.19%

CBI Bank & Trust has a Capitalization of 11.52% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

CBI Bank & Trust Balance Sheet Analysis

As of September 30, 2018, CBI Bank & Trust had assets of $532,919,000, loans of $378,987,000, and deposits of $455,651,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.10 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.38 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.47 billion
LIABILITIES
Total deposits $0.46 billion
      Interest-bearing deposits $0.40 billion
      Deposits held in domestic offices $0.46 billion
      % insured (estimated) 75.56%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.47 billion
      Shareholders’ Equity $0.06 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Cbi Bank & Trust

Branches and Savings

Is Cbi Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #1552.

Why does Cbi Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cbi Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cbi Bank & Trust a commercial bank?

Yes

Where are Cbi Bank & Trust locations?

See branch locations nearby.

Is Cbi Bank & Trust open on Saturdays?

Is Cbi Bank & Trust open on Sundays?

What time does Cbi Bank & Trust open?

What time does Cbi Bank & Trust close?

Are Cbi Bank & Trust ATMs Open 24/7?

Do Cbi Bank & Trust ATMs accept cash deposits?

Can Cbi Bank & Trust customers use other ATMs?

Do Cbi Bank & Trust branches have notaries?

Will Cbi Bank & Trust notarize my document?

What address for Cbi Bank & Trust should I put for incoming ACH transfers?

Will the Cbi Bank & Trust branch print checks?

Do Cbi Bank & Trust checks expire?

Does Cbi Bank & Trust require US citizenship to open account?

Can Cbi Bank & Trust close my account?

Does Cbi Bank & Trust Report to credit bureaus?

Does Cbi Bank & Trust Use Equifax?

What is Cbi Bank & Trust's ACH Routing Number?

What is Cbi Bank & Trust's SWIFT code?

Products

Does Cbi Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Cbi Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cbi Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Cbi Bank & Trust offer student loans?

Will Cbi Bank & Trust cash a check?

Will Cbi Bank & Trust redeem a savings bond?

Does Cbi Bank & Trust cash savings bonds?

Will Cbi Bank & Trust cash money orders?

Can Cbi Bank & Trust issue a money order?

Does Cbi Bank & Trust do currency exchange?

Background on The Bank

Who owns Cbi Bank & Trust?

How long has Cbi Bank & Trust been around?

Can Cbi Bank & Trust transfer to other banks?

Does Cbi Bank & Trust have quick pay?

Does Cbi Bank & Trust accept rolled coins?

Will Cbi Bank & Trust accept loose change?

Where is Cbi Bank & Trust headquarters?

Customer Reviews for CBI Bank & Trust

There are currently no comments for CBI Bank & Trust. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →

*All images, logos and public notes on this page appear courtesy of Cbi Bank & Trust and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.