Fees from its schedule are under review and appear here once review is done.
Know where its fee schedule is? Send the link
Total assets
Q4 2025, quarter end
FDIC call report data · Dec 31, 2025
Revenue
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge income
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge share of revenue
68th percentile; peer median 2.2%
FDIC call report data · Dec 31, 2025
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Not on file
Call-report figures are for CNB Bank and Trust, N.A. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 887 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q4 2025 Quarter ended Dec 31, 2025 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | CNB Bank and Trust, N.A.'s published fee schedule; Bank Fee Index medians | Current schedule | Not recorded |
Service-charge income by quarter
Q3 2023 to Q4 2025, standalone quarters
Service charges were 3.2% of revenue, above the 2.2% median of 887 banks with $1B to $10B in assets (68th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $607K in Q4 2025, 1.8% above the same quarter a year earlier ($596K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for CNB Bank and Trust, N.A. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q1 2024 to Q4 2025, standalone quarters · 64 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q4 2025 | $607K | +$5K | +0.8% |
| Q3 2025 | $602K | +$38K | +6.7% |
| Q2 2025 | $564K | +$2K | +0.4% |
| Q1 2025 | $562K | −$34K | −5.7% |
| Q4 2024 | $596K | +$11K | +1.9% |
| Q3 2024 | $585K | +$41K | +7.5% |
| Q2 2024 | $544K | −$3K | −0.5% |
| Q1 2024 | $547K | −$25K | −4.4% |
Financial cohort: 912 banks with $1B to $10B in assets filing for Q4 2025; 887 reported a share above 0% and are counted, CNB Bank and Trust, N.A. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to CNB Bank and Trust, N.A. by share.
They stay out of every comparison until review is done.
per item · Applies to overdrafts on debit and ATM card transactions, checks, and automatic bill payments
| Fee | Amount | Basis | Note |
|---|---|---|---|
Other feesUnder review | |||
| Overdraft Fee (audience not stated, treated as personal) | Not stated | per item | Applies to overdrafts on debit and ATM card transactions, checks, and automatic bill payments |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where CNB Bank and Trust, N.A. operates, and what regulators and customers have on file.
Branch footprint
18 offices in 2 states, $1.5B in branch deposits (June 2025)
Each dot is one office.
Largest markets by deposits
| 7 | $601.5M | |
| Outside a metro area | 8 | $501.9M |
| 3 | $400.6M |
St. Louis, MO-IL
0.4% of bank deposits, #39 of 114, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 13% |
| Stifel Bank and Trust | 12.5% |
| Bank of America, National Association | 12.5% |
| Stifel Bank | 8% |
| Commerce Bank | 5.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2025. Deposits are booked at the branch as of June 30.
In St. Louis, MO-IL, CNB Bank and Trust, N.A. holds 0.4% of bank deposits, #39 of 114, with 7 offices.
900 offices of 93 institutions shown.
Showing 900 of 995 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2025 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2025. FDIC-insured offices only; credit unions are not included.
9 of 114 institutions shown. $134.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2025.
Position over time, 2010 to 2025
June 2025: 0.4% share, 7 offices, #39 of 114
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2025.
Credit unions, reported separately
207 offices of 43 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
1 past action
Past
OCC. Ended February 5, 2026
BSA Independent Testing/Audit; BSA Internal Controls; BSA Officer; BSA Program Violation / 12 CFR 21.21; BSA Risk Assessment; BSA Training; BSA Violation Cited; BSA/AML; Customer/Enhanced Due Diligence (CDD/EDD); OFAC Compliance Issue; SAR/CTR Monitoring/Filing Issue
Source: public enforcement action lists from the OCC, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows