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Commercial Bank & Trust Company

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Commercial Bank & Trust Company Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commercial Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Commercial Bank & Trust Company rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Commercial Bank & Trust Company, and you can see how they compare in the Commercial Bank & Trust Company rate tables below. MonitorBankRates evaluates the financial stability of Commercial Bank & Trust Company with a 1.8 Star Rating, an F Overall Health Grade, and a Texas Ratio of 53.02%. Database rates last updated and verified on 09/23/2026.

Commercial Bank & Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Commercial Bank & Trust Company? Share your experience about Commercial Bank & Trust Company by leaving a review below, or read customer reviews before you decide to use Commercial Bank & Trust Company.

Overall Health & Safety Grade

High Risk Health Score: 42/100

MonitorBankRates Rating

1.8

Weak Out of 5.0 Stars

Texas Ratio

53.02%

Weak Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Commercial Bank & Trust Company

212 W Gaines St
Monticello, AR 71655

https://www.commercial-bank.net

Current Rate Availability

We're not currently displaying rates for Commercial Bank & Trust Company, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

Commercial Bank & Trust Company’s Texas Ratio rose from 16.74% in Q3 2023 to 53.02% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 1.6 to 1.8. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$364M	53.02%	1.8	F
March 31, 2026	$373M	44.35%	2.3	F
December 31, 2025	$375M	39.37%	2.6	F
September 30, 2025	$361M	35.56%	3.0	D
June 30, 2025	$366M	42.62%	1.5	F
March 31, 2025	$369M	32.25%	1.9	F
December 31, 2024	$360M	7.57%	3.0	C
September 30, 2024	$360M	4.91%	4.0	B+
June 30, 2024	$362M	7.11%	2.7	C
March 31, 2024	$252M	17.26%	2.2	D
December 31, 2023	$253M	17.33%	2.3	D
September 30, 2023	$248M	16.74%	1.6	F

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Commercial Bank & Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Commercial Bank & Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Commercial Bank & Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Commercial Bank & Trust Company

Bank Holding Company DREW BANCSHARES INC

Address 212 W Gaines St, Monticello, AR 71655 · Drew

Website https://www.commercial-bank.net

FDIC Certificate # 90

Established 19130101

FDIC Insurance Date 19340101

Domestic Offices 8

Total Branches 8

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 42/100

1.8

Weak Out of 5.0 Stars

53.02%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6923%

Return on Equity (ROE) 10.1500%

Non-Performing Loans (NPL) 3.70%

Total Assets $364,047,000

Total Deposits $335,988,000

Equity Capital $25,975,000

Net Income $1,283,000

Headquarters Monticello

Total Branches and Offices 8

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Commercial Bank & Trust Company

How many branches does Commercial Bank & Trust Company operate?

Commercial Bank & Trust Company currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Commercial Bank & Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Commercial Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Commercial Bank & Trust Company offer online and mobile banking?

Most modern institutions like Commercial Bank & Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.commercial-bank.net.