Robert J. Howard

Central Bancshares, Inc. is a closely-held community bank holding company that serves east-central Iowa and west-central Illinois. Based in Muscatine, Iowa, it is the parent company of two wholly-owned subsidiaries: CBI Bank & Trust, also based in Muscatine, and F&M Bank, headquartered in Galesburg, Illinois. Collectively it has approximately 220 employees who serve an estimated 43,000 customer households and businesses through a combination of 14 banking centers plus a wide range of alternative delivery channels including ATMs, telephone, online and mobile banking. With approximately $900 million in total assets, Central Bancshares, Inc. is one of largest community banking organizations in its trade area, with sufficient strength and scope to accommodate the borrowing and banking needs of the vast majority of business entities in its local markets. It's noteworthy that the $900 million figure does not include assets under management by the Trust departments of its subsidiary banks, an area where the company is a recognized market area leader in terms of strength, size and expertise. When Trust is taken into consideration the company is well over $1 billion in size.