Community Bank and Trust on Your Credit Report
In short: Community Bank and Trust is a state-chartered commercial bank that is a member of the Federal Reserve System, headquartered in Neosho, Missouri. FDIC certificate 13068 records the charter as established January 1, 1884. That makes it a nineteenth-century charter, so its reporting history predates most of the systems that now carry it. Its 06/30/2026 call report shows $445 million in total assets across 13 reported offices. Community Bank and Trust books its loans on its own balance sheet, so it furnishes its own tradelines — meaning an FCRA §623 dispute goes straight to the party holding the underlying records, in parallel with the §611 route through the bureaus. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Community Bank and Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Community Bank and Trust is an FDIC-insured state bank under certificate 13068, headquartered in Neosho, Missouri, with $445 million in total assets and 13 FDIC-reported offices as of the 06/30/2026 call report; its charter dates to January 1, 1884.
How Community Bank and Trust appears on your credit report
Community Bank and Trust is an original creditor, not a collector, and that changes the mechanics. At $445 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 13 Missouri offices
- ◆Mortgage and home-equity credit originated in the Missouri market
- ◆Small-business and consumer accounts carried on the Community Bank and Trust balance sheet
Grounds to dispute a Community Bank and Trust entry
Each of these is a reason a Community Bank and Trust tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Missouri mortgage paid at closing but still showing a balance with Community Bank and Trust
- ◆Paid-in-full installment loan still showing a Community Bank and Trust charge-off status
- ◆The same Community Bank and Trust loan appearing twice after a branch or system consolidation
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Community Bank and Trust is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Community Bank and Trust has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Community Bank and Trust a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Community Bank and Trust questions, answered
Is Community Bank and Trust FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 13068. That record lists Community Bank and Trust as a state-chartered commercial bank that is a member of the Federal Reserve System headquartered in Neosho, MO, chartered January 1, 1884, with $445 million in assets across 13 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Community Bank and Trust, and where do I escalate if a dispute fails?
Community Bank and Trust is a state-chartered commercial bank that is a member of the Federal Reserve System, so its primary oversight runs through the Federal Reserve and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Community Bank and Trust?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Community Bank and Trust exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can a Community Bank and Trust charge-off stay on my credit report?
A charged-off Community Bank and Trust account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Community Bank and Trust charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Community Bank and Trust and disputing with a collector?
Community Bank and Trust is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to Community Bank and Trust reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Community Bank and Trust report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding Community Bank and Trust has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
Community Bank and Trust was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Community Bank and Trust account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Identify both versions by last four digits and open date when you dispute.
Can I dispute Community Bank and Trust reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send Community Bank and Trust a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on Community Bank and Trust reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten, pull your own statements and check the Community Bank and Trust entry field by field. One documented error beats a broad removal request every time.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Community Bank and Trust; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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