Community Bank&Trust (FDIC #13068): Bank Stress & Real-Estate Credit Exposure
Community Bank&Trust (FDIC Cert #13068): bank stress 74/100, elevated, STABLE over 7 days; parent COMMUNITY BANCSHARES EMPLOYEE STK OWNERSHIP PLAN.
Community Bank&Trust (#13068) lends in 4 counties across 2 states; Community Bank&Trust (#13068) reaches 54 ZIP codes: Missouri 3 counties, 41 ZIPs; Kansas 1 county, 13 ZIPs.
Community Bank&Trust (#13068) largest markets: Jasper County, MO (76 branches, 19 ZIPs) (#13068), Mcdonald County, MO (15 branches, 15 ZIPs) (#13068), Newton County, MO (105 branches, 15 ZIPs) (#13068), Cherokee County, KS (13 branches, 13 ZIPs) (#13068).
Community Bank&Trust (#13068) reports $445.1 million in total assets; Community Bank&Trust (#13068) equity $37.0 million (8.3% of Community Bank&Trust (#13068) assets); Community Bank&Trust (#13068) domestic deposits $394.4 million; Community Bank&Trust (#13068) net income $2.5 million; Community Bank&Trust (#13068) return on assets 1.12%; Community Bank&Trust (#13068) return on equity 13.45%; Community Bank&Trust (#13068) net interest income $7.6 million; Community Bank&Trust (#13068) call report June 30, 2026.
Community Bank&Trust (#13068) noncurrent real-estate loans: none reported; Community Bank&Trust (#13068) residential -0.14%; Community Bank&Trust (#13068) net charge-offs on real estate 0.16%.
Community Bank&Trust (#13068) net interest margin 3.64% against an eight-quarter Community Bank&Trust (#13068) average of 3.41% (Community Bank&Trust (#13068) compression -0.23 points); Community Bank&Trust (#13068) rate-exposure score 40/100, Community Bank&Trust (#13068) fixed-rate trap 40/100; Community Bank&Trust (#13068) risk type credit driven; Community Bank&Trust (#13068) rate regime rates elevated, Community Bank&Trust (#13068) snapshot October 20, 2026.
Community Bank&Trust (#13068) stress score moved from 74.9 on June 22, 2026 to 74.2 on October 20, 2026; Community Bank&Trust (#13068) ranged 74.2 to 74.9 over 117 snapshots.
Community Bank&Trust (#13068) alerts: 4 counties; top Community Bank&Trust (#13068) alert scores: Anderson County, MO 24 (low); Galena County, MO 24 (low); Joplin County, MO 24 (low); Seneca County, MO 24 (low).