Skip to Content
Home Why Bank With Us President's Message

President's Message

A Brief Message from Bob Howard, President and CEO, CBI Bank & TrustCBI Bank & Trust President Bob Howard

Dear Friends,

Perhaps you’ve come here to learn more about our organization.  Maybe you’re considering joining our team. Or it might be that you’re simply looking for a solid, service-oriented bank to help with your financial needs. In any event, you’ve come to the right place!

Our bank is one of the area's largest financial institutions; with well over $500 million in total assets, we're ranked in the top 10% of Iowa's commercial banks in terms of size. We serve over 16,000 customer households and businesses through a total of eight banking locations in Coralville, Davenport, Kalona, Muscatine, Wilton and Washington, Iowa, as well as Buffalo Prairie, Illinois - plus a full range of alternative delivery channels including ATMs, telephone, mobile and online banking. We’re locally owned and an important part of the Muscatine-based Central Bancshares Inc. organization. With over $850 million in total assets, and over $1 billion in bank and trust assets combined, Central Bancshares is one of eastern Iowa and western Illinois’ leading bank holding companies.

Beyond the numbers, there are several key concepts that are central to our vision, mission and values.

Our first job is to understand and serve our customers. They are central to everything we do. We accomplish that by offering competitive products and services, quality advice and outstanding service. If we do that, I’m positive good things will happen for not only our customers, but also for our communities, team members and shareholders.

We believe in independent community banking. The concepts of local management and decisions, meaningful local input, empowered and engaged team members, and dedicated local resources, all aligned to help our customers and the communities we serve to grow and prosper. It sets us apart --- and above --- a financial services landscape that far too often is characterized by large, impersonal nationwide institutions.

We’re also committed to investing in our communities --- in making local responses to local needs. Each year, we provide significant financial support to our communities through charitable donations and special programs like Hometown Hundreds. Perhaps more important, our team members are encouraged to contribute their time and expertise, spending thousands of hours serving as volunteers, board members and leaders of local organizations.

In today’s uncertain world, financial stability is also an important consideration.  You shouldn’t have to choose between Main Street and Wall Street when considering safety and soundness of your bank. We want you to know that we’re very strong and solid financially.  We're noted for our safe, secure banking practices --- in fact, our safety is almost legendary.

Finally, whether you’re looking for a checking or savings account, investment or trust advice, fulfilling the dream of home ownership, or growing your business or farm operation, I’m confident that our team will be able to help you. We exist to help you save time and money, improve your financial well-being and have peace of mind regarding your banking relationship. Our goal every day is to continue to earn your business and your trust.

We invite you to look around our website and make yourself at home.  If you have any questions or would like additional information about our bank, please call, click or stop by to see us. We’ll be happy to assist you!


Bob Howard signature
Robert J. Howard

President and CEO