Community Bank and Trust Company

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.commbk.net

563-263-1122

2609 2nd Ave
Muscatine, IA 52761

Community Bank and Trust Company is headquartered in MUSCATINE and is the 99^th largest bank in the state of Iowa. It is also the 2,523^rd largest bank in the nation. It was established in 1980 and as of March of 2025, it had grown to 50 employees at 5 locations. Community Bank and Trust Company's money market rates are 3X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	23189
Year Established	1980
Employees	50
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.27%
Return on Equity - YTD	21.81%
Annual Interest Income	$3.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$295.4MM$277.3MM
Loans	Q1 2025vs Q1 2024	$163.1MM$152.6MM
Deposits	Q1 2025vs Q1 2024	$273.9MM$256.7MM
Equity Capital	Q1 2025vs Q1 2024	$18.1MM$14.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.5MM$2.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$276K$1.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Bank and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$0	-	Health Savings Account
0.25%	$0	-	Christmas Savings
0.20%^*	$500k^*	-	Business Savings Plus
OTHER TIERS: 0.10% → $0 - $250k \| 0.15% → $250k - $500k
0.10%	$50	-	Savings Account
0.10%	$0	-	Vacation Club
0.10%	$0	-	Minor Savings

Community Bank and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.51%^*	$500k^*	-	IMMA Account
OTHER TIERS: 0.20% → $0 - $1k \| 0.40% → $1k - $25k \| 0.60% → $25k - $100k \| 1.00% → $100k - $500k

Community Bank and Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$0	-	Checking With Interest

Community Bank and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	9 Month CD Special with Relationship
4.00%	$1k	-	16 Month CD Special with Relationship
3.90%	$1k	-	9 Month CD Special w/o Relationship
3.90%	$1k	-	16 Month CD Special w/o Relationship
3.75%	$1k	-	25 Month CD Special with Relationship
3.65%	$1k	-	25 Month CD Special w/o Relationship
1.81%	$500	-	60 Month CD
1.61%	$500	-	48 Month CD
1.51%	$500	-	30 Month CD
1.51%	$500	-	36 Month CD
1.00%	$500	-	18 Month CD
1.00%	$500	-	24 Month CD
0.60%	$500	-	12 Month CD
0.40%	$500	-	6 Month CD

Community Bank and Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$500	-	18 Month IRA Golden Variable

Locations

Community Bank and Trust Company Locations
Wapello Branch	206 Highway 61 North	Wapello, IA 52653
Wilton Branch	210 West Fourth Street	Wilton, IA 52778
Columbus Junction Branch	227-229 Main Street	Columbus Junction, IA 52738
Community Bank and Trust Company	2609 2nd Ave	Muscatine, IA 52761
Cedar Street Branch	615 Cedar Street	Muscatine, IA 52761

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