Commercial Bank & Trust Company

BankMonticello, Arkansas
www.commercial-bank.net

Total Assets

$375.1M

Total Deposits

$339.1M

Branches

8

Established

1913

TFS Health Grade

$
F

57.5 / 100

Poor financial health

How we grade

Commercial Bank & Trust Company is a bank headquartered in Monticello, Arkansas, established in 1913. With $375.1M in total assets and 8 branch locations, it has a TFS Financial Health Grade of F (57.5/100).

Capital & Safety

Tier 1 Capital Ratio
10.91%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
3.89%

Profitability

Return on Assets (ROA)
0.71%(1%)
Return on Equity (ROE)
12.08%(10%)
Net Interest Margin
2.87%
Efficiency Ratio
70.16%(60%)

Lending & Liquidity

Total Loans
$249.8M
Loan-to-Deposit Ratio
72.83%
Net Charge-Off Ratio
0.25%

Growth

Asset Growth (YoY)
+4.15%
Deposit Growth (YoY)
+0.10%
Net Income
$2.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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