Commercial Bank & Trust Company


Commercial Bank & Trust Company is an FDIC insured institution headquartered at 212 W Gaines St, Monticello, AR 71655.
It was founded in 1913 and has approximately $0 billion in assets. Customers can open an account at one of its 0 branches.

Deposit Rates - November 03, 2025

SAVINGS RATES APY MIN
SAV
0.50% $300 Compare
CD RATES APY MIN
6 Mo CD
1.00% $1,000 Compare
18 Mo CD
1.25% $1,000 Compare
24 Mo CD
1.25% $1,000 Compare
36 Mo CD
1.25% $1,000 Compare
MM RATES APY MIN
Money Market
1.25% $1 Compare
Money Market
1.25% $25,000 Compare
FIXED IRA RATES APY MIN
FIRA
1.25% $1,000
INT CHECKING RATES APY MIN
INTCK
1.75% $100

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 90
Date Established 1913
Assets $ 366.41 million
Loans $ 237.23 million
Deposits $ 335.95 million
Capital $ 21.22 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 5.35 million
Interest-bearing balances $ 2.55 million
Total securities $ 103.13 million
Federal funds sold and reverse repurchase $ 3.85 million
Net loans and leases $ 237.23 million
Loan loss allowance $ 2.66 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.08 million
Goodwill and other intangibles N.A.
All other assets $ 8.61 million
     Total Assets $ 345.19 million

LIABILITIES
Total deposits $ 335.95 million
      Interest-bearing deposits $ 262.69 million
      Deposits held in domestic offices $ 335.95 million
      % insured (estimated)" 68.54%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.28 millionn
      Total Liabilities $ 345.19 million
      Shareholders’ Equity $ 21.22 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 8.85 million
Total Interest Expense $ 4.13 million
Net interest income $ 4.72 million
Provision for loan and lease losses $ 0.51 million
Total non interest income $ 1.14 million
Total non interest expense $ 4.13 million
Pre-tax Net Operating Income $ 1.69 million

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Branches

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Commercial Bank & Trust Company Locations