Cbi Bank&Trust (FDIC #1552): Bank Stress & Real-Estate Credit Exposure
Cbi Bank&Trust (FDIC Cert #1552): bank stress 62/100, elevated, STABLE over 7 days; parent CENTRAL BANCSHARES INC.
Cbi Bank&Trust (#1552) lends in 11 counties across 3 states; Cbi Bank&Trust (#1552) reaches 200 ZIP codes: Illinois 6 counties, 116 ZIPs; Iowa 4 counties, 64 ZIPs; Wisconsin 1 county, 20 ZIPs.
Cbi Bank&Trust (#1552) largest markets: Peoria County, IL (56 branches, 28 ZIPs) (#1552), Winnebago County, IL (26 branches, 26 ZIPs) (#1552), Johnson County, IA (24 branches, 24 ZIPs) (#1552), Knox County, IL (69 branches, 23 ZIPs) (#1552), Scott County, IA (132 branches, 22 ZIPs) (#1552), Rock Island County, IL (42 branches, 21 ZIPs) (#1552).
Cbi Bank&Trust (#1552) reports $1.70 billion in total assets; Cbi Bank&Trust (#1552) equity $201.1 million (11.8% of Cbi Bank&Trust (#1552) assets); Cbi Bank&Trust (#1552) domestic deposits $1.44 billion; Cbi Bank&Trust (#1552) net income $9.2 million; Cbi Bank&Trust (#1552) return on assets 1.11%; Cbi Bank&Trust (#1552) return on equity 9.23%; Cbi Bank&Trust (#1552) net interest income $30.6 million; Cbi Bank&Trust (#1552) call report June 30, 2026.
Cbi Bank&Trust (#1552) noncurrent real-estate loans 0.01% of its book; Cbi Bank&Trust (#1552) net charge-offs on real estate 1.31%; Cbi Bank&Trust (#1552) multifamily charge-offs 1.62%; Cbi Bank&Trust (#1552) residential charge-offs 0.45%.
Cbi Bank&Trust (#1552) net interest margin 4.04% against an eight-quarter Cbi Bank&Trust (#1552) average of 3.90% (Cbi Bank&Trust (#1552) compression -0.13 points); Cbi Bank&Trust (#1552) real-estate loans 0.7% of equity; Cbi Bank&Trust (#1552) non-residential real estate 44.8% of equity; Cbi Bank&Trust (#1552) rate-exposure score 40/100, Cbi Bank&Trust (#1552) fixed-rate trap 40/100; Cbi Bank&Trust (#1552) risk type credit driven; Cbi Bank&Trust (#1552) rate regime rates elevated, Cbi Bank&Trust (#1552) snapshot October 19, 2026.
Cbi Bank&Trust (#1552) stress score moved from 62.3 on June 22, 2026 to 62 on October 19, 2026; Cbi Bank&Trust (#1552) ranged 62 to 62.3 over 116 snapshots.
Cbi Bank&Trust (#1552) alerts: 11 counties; top Cbi Bank&Trust (#1552) alert scores: Washington County, IA 37 (moderate); Beloit County, IA 22 (low); Coralville County, IA 22 (low); Galesburg County, IA 22 (low); Joy County, IA 22 (low).