🏦Bank Scorer

COMMERCIAL BANK & TRUST COMPANY

MONTICELLO, AR · Supervised by FDIC

Est. 1913FDIC #90RSSD: FDIC-90
Part ofDREW BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.62%

Institution Profile

FDIC BankFind

Address

212 W Gaines St, MONTICELLO, AR

County

Drew County

Established

January 1, 1913

Total Assets

$373M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 5, 2008

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$373M

Total Deposits

$345M

Net Loans

$249M

Net Income

$582K

ROA

0.62%

ROE

9.33%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$336M

1-Year Change

0

5-year net change: +3 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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