Total Assets
$375M
Total balance-sheet footings
FDIC Cert #90 · Monticello, Arkansas · Est. 1913
Commercial Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Commercial Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $375M
- Total assets
- C
- Health grade · Fair
- 0.71%
- Return on assets
- 10.9%
- Tier 1 capital
Data updated July 2026
The verdict
Commercial Bank & Trust Company earns a PlainBankData health grade of C (50/100), with well-capitalized at 10.91% Tier 1, 0.71% ROA, 70% efficiency ratio.
- #2,180
- largest of 4,313 FDIC banks by assets
- 49th
- percentile by asset size, nationally
- 10.91%
- Tier 1 ratio - above the 10% well-capitalized line
- 25th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Commercial Bank & Trust Company's 50/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Commercial Bank & Trust Company's composite health score
Tier 1 Capital Ratio (10.91%) 28/40
Return on Assets (ROA) (0.71%) 14/25
Texas Ratio (35.09%) 4/20
Efficiency Ratio (70.16%) 4/15
50 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$339M
Customer-funded liabilities
Net Loans
$247M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Commercial Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Commercial Bank & Trust Company's score of 50/100 falls in the highlighted band.
Commercial Bank & Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Commercial Bank & Trust Company's $375M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.91%
Texas Ratio
35.09%
Equity Capital
$25M
Profitability metrics
Return on Assets (ROA)
25th percentile nationally
0.71%
Return on Equity (ROE)
12.08%
Efficiency Ratio
70.16%
What the numbers say about Commercial Bank & Trust Company
Commercial Bank & Trust Company is an FDIC-insured institution (Certificate #90) headquartered in Monticello, Arkansas, established in 1913. It holds $375M in total assets - 2,180th of 4,313 FDIC-insured banks, $339M in customer deposits, and $247M in net loans. On safety, its Tier 1 capital ratio of 10.91% is above the 10% well-capitalized threshold, and its Texas Ratio of 35.09% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (50/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Arkansas, Commercial Bank & Trust Company ranks 42nd of 78 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Commercial Bank & Trust Company reports a Texas Ratio of 35.09% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
35.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Arkansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Commercial Bank & Trust Company (FDIC Cert #90) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank OZKLittle Rock | $40.8B | A | 1.78% |
| Arvest BankFayetteville | $27.8B | C | 0.49% |
| Simmons BankPine Bluff | $24.5B | C | -1.40% |
| Centennial BankConway | $22.7B | A | 2.14% |
| First Security BankSearcy | $8.4B | A | 1.81% |
| ENCORE BANKLittle Rock | $3.6B | C | 0.19% |
| First Community BankBatesville | $3.4B | B | 1.09% |
| Farmers Bank & Trust CompanyMagnolia | $3.1B | B | 1.36% |
Frequently asked questions
What is Commercial Bank & Trust Company's health grade?▼
Commercial Bank & Trust Company receives a health grade of C (50/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Commercial Bank & Trust Company?▼
Commercial Bank & Trust Company holds $375M in total assets and $339M in deposits, ranking 2,180th of 4,313 FDIC-insured banks by asset size. It is headquartered in Monticello, Arkansas.
Is my money safe at Commercial Bank & Trust Company?▼
Yes, deposits at Commercial Bank & Trust Company (Certificate #90) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Commercial Bank & Trust Company's Tier 1 Capital Ratio?▼
Commercial Bank & Trust Company has a Tier 1 Capital Ratio of 10.91%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Commercial Bank & Trust Company?▼
Commercial Bank & Trust Company has a Texas Ratio of 35.09%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Commercial Bank & Trust Company?▼
Commercial Bank & Trust Company has an Efficiency Ratio of 70.16%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Commercial Bank & Trust Company's profile as a depositor or analyst.
- Commercial Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Commercial Bank & Trust Company against other Arkansas banks before moving funds. Arkansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.