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604 North 8th Street
Sheboygan, WI 53081

Community Bank & Trust (WI) is headquartered in Sheboygan and is the 37th largest bank in the state of Wisconsin. It is also the 1,218st largest bank in the nation. It was established in 1989 and as of December of 2013, it had grown to 161 employees at 11 locations. Community Bank & Trust (WI) has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Community Bank & Trust (WI) had $6.99 million in non-current loans and owned real-estate with $64.1 million in equity and loan loss allowances on hand to cover it. This gives Community Bank & Trust (WI) a Texas Ratio of 10.90% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Bank & Trust (WI) decreased dramatically from 16.71% as of December 31, 2012 to 10.90% as of December 31, 2013, resulting in a positive change of 34.78%.This indicates that the balance sheet and financial strength for Community Bank & Trust (WI) has improved dramatically in recent periods.

Deposit Growth


In the past year, Community Bank & Trust (WI) has decreased its total deposits by -$6.53 million, resulting in -1.41% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Bank & Trust (WI) has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Bank & Trust (WI) has $547.81 million in assets with $64.1 million in equity, resulting in a capitalization level of 11.70%, which is excellent.

Institution Statistics

FDIC Certificate #27507
Year Established1989
Primary RegulatorFDIC
Assets and Liabilities
Assets$547.81 million
Loans$399.30 million
Deposits$456.12 million
Equity Capital$54.13 million
Loan Loss Allowance$9.98 million
Unbacked Noncurrent Loans$4.30 million
Real Estate Owned$2.69 million
Historic Data - December 2012
Assets$563.29 million
Equity Capital$54.16 million
Loan Loss Allowance$11.54 million
Unbacked Noncurrent Loans$4.30 million
Real Estate Owned$2.86 million
Profit Margin - Quarterly
Net Interest Margin3.69%
Return on Assets1.51%
Return on Equity15.03%
Interest Income$22.15 million
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Community Bank & Trust (WI) CD Rates

1.45%$10k-5 Year Rate Riser CD
0.48%$5k-17 Month CD Special
0.38%$5k-11 Month CD Special

Community Bank & Trust (WI) IRA Rates

1.45%$2k-5 Year Rate Riser IRA
0.48%$1k-17 Month IRA Special
0.38%$1k-11 Month IRA Special

Community Bank & Trust (WI) has 11 locations. Click to view all Community Bank & Trust (WI) locations.