Total Assets
$433M
Total balance-sheet footings
FDIC Cert #13068 · Neosho, Missouri · Est. 1884
Community Bank and Trust - FDIC Bank Health Profile
A community-scale look at Community Bank and Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $433M
- Total assets
- A
- Health grade · Excellent
- 1.12%
- Return on assets
- 25.2%
- Tier 1 capital
Data updated July 2026
The verdict
Community Bank and Trust earns a PlainBankData health grade of A (84/100), with well-capitalized at 25.17% Tier 1, profitable at 1.12% ROA, 74% efficiency ratio.
- #1,981
- largest of 4,313 FDIC banks by assets
- 54th
- percentile by asset size, nationally
- 25.17%
- Tier 1 ratio - above the 10% well-capitalized line
- 51st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Community Bank and Trust's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community Bank and Trust's composite health score
Tier 1 Capital Ratio (25.17%) 40/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (0.13%) 20/20
Efficiency Ratio (74.48%) 4/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$376M
Customer-funded liabilities
Net Loans
$199M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community Bank and Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Bank and Trust's score of 84/100 falls in the highlighted band.
Community Bank and Trust'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). Community Bank and Trust's $433M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
25.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
25.17%
Texas Ratio
0.13%
Equity Capital
$36M
Profitability metrics
Return on Assets (ROA)
51st percentile nationally
1.12%
Return on Equity (ROE)
14.46%
Efficiency Ratio
74.48%
What the numbers say about Community Bank and Trust
Community Bank and Trust is an FDIC-insured institution (Certificate #13068) headquartered in Neosho, Missouri, established in 1884. It holds $433M in total assets - 1,981st of 4,313 FDIC-insured banks, $376M in customer deposits, and $199M in net loans. Capital-wise, the Tier 1 ratio sits at 25.17%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.13%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Community Bank and Trust sits 78th of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$17M
Interest Income
$5M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Bank and Trust reports a Texas Ratio of 0.13% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.13% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Bank and Trust (FDIC Cert #13068) - 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 Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Community Bank and Trust's health grade?▼
Community Bank and Trust receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Community Bank and Trust?▼
Community Bank and Trust holds $433M in total assets and $376M in deposits, ranking 1,981st of 4,313 FDIC-insured banks by asset size. It is headquartered in Neosho, Missouri.
Is my money safe at Community Bank and Trust?▼
Yes, deposits at Community Bank and Trust (Certificate #13068) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community Bank and Trust's Tier 1 Capital Ratio?▼
Community Bank and Trust has a Tier 1 Capital Ratio of 25.17%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Community Bank and Trust?▼
Community Bank and Trust has a Texas Ratio of 0.13%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community Bank and Trust?▼
Community Bank and Trust has an Efficiency Ratio of 74.48%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community Bank and Trust's profile as a depositor or analyst.
- Community Bank and Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community Bank and Trust against other Missouri banks before moving funds. Missouri 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.