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About Us

Our Story

The story began in 1912 when we were known as Commercial Loan & Trust Company. We were founded on sound banking principles, solid business practices, and good, old-fashioned, common sense.

Our growth was steady, and what began as a modest enterprise became an established financial institution. We survived several wars, the Great Depression, and countless economic challenges to emerge as one of southeast Arkansas’ leading banking operations.

In 1965, we changed our name to Commercial Bank & Trust Company. Our involvement in virtually every facet of Monticello and Drew County’s development earned us the reputation as the “community builder.” It is the kind of responsibility that we have never taken lightly... and never will.

Today, we are totally committed to providing our customers with:

  • State-of-the-art banking services
  • Conveniently-located facilities
  • Skilled and friendly staff

We welcome the opportunity to be your bank and the challenge to earn your trust.  Come see us at any of our four Monticello locations, or visit us on the internet at

Board of Directors

  • Wayne Owen
  • Mike Ward
  • Todd Smith
  • Bennie Ryburn, III
  • Ray Ryburn
  • R.D. Jones, III
  • C.C. Gibson, III



870-367-BANK (2265)

Report Lost/Stolen Debit/ATM Card:

Business Hours: 870.367.6221

After Hours: 800.500.1044

FDIC and Equal Housing Lender

©2023 Commercial Bank and Trust Company All Rights Reserved.