Commercial Bank & Trust Company
Monticello, AR
IDRSSD: 23643
Total Assets
$361.44M
Latest filing
Total Deposits
$333.50M
Latest filing
Net Interest Margin
3.00%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Commercial Bank & Trust Company
212 W Gaines St
Monticello, AR 71655
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1913FDIC Certificate 70
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Commercial Bank & Trust Company (Main) | 212 W Gaines St | Monticello, AR |
| EAST BRANCH | 902 Us Highway 278 And 4 East | Monticello, AR |
| WESTGATE BRANCH | 428 Highway 425 S | Monticello, AR |
| HERMITAGE BRANCH | 122 Main St | Hermitage, AR |
| MARTIN AND PINE BRANCH | 413 W Pine St | Warren, AR |
| HAMPTON BRANCH | 112 W Main | Hampton, AR |
| NORTH PARK BRANCH OF COMMERCIAL BANK & TRUST COMPANY | 200 North Park Village, Suite 2 | Monticello, AR |
| FIRST STATE BANK OF WARREN BRANCH | 104 S Main St | Warren, AR |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 71655 |
| State and County Number | 05043 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 63 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/24/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.commercial-bank.net |
| Data Updated | 11/14/2025 |
| CERT | 90 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $361.44M |
| Total Deposits | $333.50M |
| Total Liabilities | $337.27M |
| Total Equity Capital | $24.17M |
| Net Income | $743.00k |
| Net Loans and Leases | $236.20M |
| Assets Per Employee ($Millions) | $5.93M |
| Bank Premises and Fixed Assets | $2.55M |
| Cash and Balances due from Depository Institutions | $5.56M |
| Deposits Held in Domestic Offices | $333.50M |
Key Performance Ratios
| Return on Assets (ROA) | 0.82% |
| Return on Equity (ROE) | 13.1% |
| Net Interest Margin | 3% |
| Efficiency Ratio | 69.62% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.25% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.687% |
| Earning Assets to total Assets | 94.48% |
Income and Expense
| Total Interest Income | $4.57M |
| Total Noninterest Income | $611.00k |
| Total Interest Expense | $1.98M |
| Total Noninterest Expense | $2.23M |
| Net Interest Income | $2.58M |
| Pre-tax Net Operating Income | $743.00k |
| Provision for Credit Losses | $228.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $75.00k |
| Other borrowed funds | $2.52M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.25M |
| Total Liabilities and Capital | $361.44M |
Securities
| Securities | $102.49M |
| Available-for-sale debt securities | $102.49M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Commercial Bank & Trust Company?
$361.44M as of the latest filing.
How much are Commercial Bank & Trust Company's total deposits?
$333.50M in total deposits.
Where is Commercial Bank & Trust Company located?
Monticello, AR.
What is the Net Interest Margin?
3.00%.
How many domestic offices does it operate?
8.
When was it established?
01/01/1913.
What is the Return on Assets (ROA)?
0.82%.
How much are total loans and leases?
$236.20M (latest filing).
What is the total interest income (latest filing)?
$4.57M.