Commercial Bank & Trust Company

Monticello, AR

Rating Date

June 2025

Risk Based
Capital Ratio

Leverage
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Total
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Weiss Ratings	Commercial Bank & Trust Company Monticello, AR	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	3.40
Capitalization Index	9.90
Liquidity Index	2.30
Profitability Index	4.00
Stability Index	2.40

Company Info	Commercial Bank & Trust Company Monticello, AR	Click to Compare	Click to Compare	Click to Compare
FDIC Number	90
Phone Number	(870) 367-6221
Website	www.commercial-bank.net

Asset Quality	Commercial Bank & Trust Company Monticello, AR	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	46.84%
5-Year Asset Growth	14.97%
5-Year Charge-Offs to Average Loans	0.19%
Charge-Offs to Average Loans	0.38%
Non-Performing Assets to Assets	2.52%
Non-Performing Loans to Capital	14.85%
Non-Performing Loans to Loans	3.89%

Balance Sheet	Commercial Bank & Trust Company Monticello, AR	Click to Compare	Click to Compare	Click to Compare
Total Assets	369.36M
Total Deposits	342.77M

Capital and Reserves	Commercial Bank & Trust Company Monticello, AR	Click to Compare	Click to Compare	Click to Compare
Capital	19.88M
Leverage Ratio	10.91
Loan Loss Reserves to Loans	1.04%
Risk-Based Capital Ratio	--

Liquidity	Commercial Bank & Trust Company Monticello, AR	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	38.67%
Liquidity Ratio	5.09%

Profitability	Commercial Bank & Trust Company Monticello, AR	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.34%
Net Income	608.00K
Net Interest Spread	2.68%
Operating Profit to Average Assets	0.66%
Overhead Efficiency Ratio	69.59%
Return on Assets	0.66%
Return on Equity	12.80%