COMMUNITY BANK AND TRUST

NEOSHO, MO · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1884FDIC #13,068

Satisfactory

Current rating · Exam: January 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.01%

Institution Profile

FDIC BankFind

Website

www.cbthomebank.com

Address

100 S Wood St, NEOSHO, MO

County

Newton County

Established

January 1, 1884

Total Assets

$442M(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

January 7, 1991

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 35 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

$442M

Total Deposits

$392M

Net Loans

$194M

Net Income

$1M

ROA

1.01%

ROE

12.25%

Risk-Based Capital

28.12%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate15.91%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$379M

1-Year Change

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	176	63.64%	15.91%
2023	167	65.87%	16.17%
2022	223	65.47%	17.49%
2021	407	69.29%	12.53%
2020	495	66.67%	14.34%
2019	294	65.31%	18.03%
2018	304	65.79%	14.80%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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