Applications / Mortgage Analytics / Lenders / Iowa / CBI Bank & Trust
Muscatine, IA · State member bank · FRS · $1.6 billion assets · 772 loans in 2025
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772
loans originated, 2025
984
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CBI Bank & Trust is a small-loan lender in Iowa and Illinois: its typical loan, $85,000, was the smallest among similar lenders, and it ranked 18 of 288 in Davenport-Moline-Rock Island.
Its typical loan was $85,000, against $195,000 at similar lenders (state member banks making between half and twice as many loans), down from $165,000 five years before. Home-improvement loans were 20.6% of its lending and conventional loans 100.0%, with no FHA or VA lending. It made more loans than the typical peer but a smaller dollar total, $108.2 million against $196.4 million.
Its share fell 0.2 points to 1.7% in Davenport-Moline-Rock Island, where GreenState Credit Union leads; 0.4 points to 1.1% in Iowa City; and 0.5 points to 0.8% in Peoria. Its own dollar volume rose, from $98.0 million to $108.2 million, so the falls are possibly faster growth by other lenders rather than a pull-back. Shares here are by dollars, where small loans weigh little.
Originations rose 4% to 772, against 7% at peers and 10% in the whole market. They were 1,124 in 2021 and 304 in 2018.
LMI (low- and moderate-income) borrowers took 31.2% of its loans, more than about two-thirds of peers (27.1%), up from 23.9% five years before. Its small loans are one possible reason. It turned down 6.6% of first-lien purchase applications on owner-occupied homes, near peers' 7.1%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CBI Bank & Trust took 984 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.0% · Refinance 31.1% · Home improvement 20.6% · Other 5.3%
Conventional 100.0% · of 772 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 414 | 53.6% |
| Iowa | 318 | 41.2% |
| Wisconsin | 27 | 3.5% |
| Florida | 3 | 0.4% |
| Michigan | 2 | 0.3% |
| Missouri | 2 | 0.3% |
| Arkansas | 1 | 0.1% |
| Louisiana | 1 | 0.1% |
| Nevada | 1 | 0.1% |
| South Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 186 |
| Iowa City | 60 |
| Peoria | 47 |
| Janesville-Beloit | 25 |
| Rockford | 15 |
| Cedar Rapids | 4 |
| Chicago-Naperville-Schaumburg | 4 |
| Des Moines-West Des Moines | 4 |
| Baton Rouge | 1 |
| Bloomington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003X0GM1DHJIWC22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 830542 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2830542 | 2014–2017 |
Established 13 June 1933. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: CBI Bank & Trust's data.
CBI Bank & Trust's data
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CBI Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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