About Us

Community Bank & Trust


Employees that have a regularly scheduled position of 30 hours or more per week are eligible for the benefits program. Coverage begins the first day of the month following your date of hire. Eligible employees may cover their spouses and/or dependent children.

Health and Wellness

You need to be at your physical best to excel in both your personal and professional life. That's why we provide a full menu of health and wellness benefits.

Health Insurance

CBT offers a comprehensive medical plan through United Healthcare and participating facilities and providers.   Pharmacy benefits are included with the medical plan.

Through UnitedHealthcare, UMR and HealthSCOPE Benefits creates and publishes the Machine-Readable Files on behalf of Community Bank and Trust. To link to the Machine-Readable Files, please click here.


In addition to the major medical insurance, CBT provides you with 24/7 access to licensed physicians through Teladoc. This benefit is included with the medical plan and the coverage is available to you and your covered dependents.

Dental and Vision Plans

Our dental plan, through Mutual of Omaha, encourages proactive preventive care and helps offset the cost of major services. Our vision plan, through MetLife, provides coverage for exams, glasses and contact lenses.

Health Care Flexible Spending Account

You also may be eligible to contribute to an FSA to save for and pay for eligible health care related expenses. You contribute before tax dollars, and you don't pay taxes on the money you use to pay for eligible expenses. Our FSA benefits are administered by UMR.

Financial Security and Retirement

Save for your future, protect yourself and your family from the unexpected, and take advantage of programs that can lower your day-to-day expenses.

Life and Accident Insurance

We've got you covered with CBT-paid term life insurance and accidental death and disbursement protection. The coverage is provided through Mutual of Omaha and is paid 100% by the Bank. In addition, the Bank provides term life insurance for your spouse and dependent children at no cost to you.

You may also purchase additional term life insurance and accidental death and disbursement protection for you and your eligible dependents through Mutual of Omaha.

Short Term Medical Leave

CBT provides short-term income protection for employees that meet eligibility requirements. The plan is provided at no cost to you. Short-term medical leave may replace an employee's income for up to six months, based on a specific schedule.

Long-Term Disability

We also offer you the option to purchase long-term disability insurance through Mutual of Omaha. Our long disability plan replaces 60 percent of your pay. The benefits are paid directly to you on a monthly basis and begin after the elimination period of 180 days of absences due to a covered accident or illness.

Worksite Benefits

CBT offers voluntary policies for Accident, Cancer and Critical Illness coverage through Guardian. These benefits are supplemental to major medical insurance and are designed to offer you and your family financial support in the onset of a major illness or the occurrence of an accident.

401(k) Savings Plan

With the CBT 401(k) Plan, you decide how to save and invest. Make before-tax and/or Roth after-tax contributions from your pay into the investments you select. You are always 100% vested in your 401(k) account. A new participant enters the plan on the first plan entry date, after fulfillment of the plans age and service requirements.

Employee Stock Ownership Plan (ESOP)

The ESOP is a non-contributory plan completely funded by the Bank. The contributions are based on your annual compensation. A new participant enters the plan on the first plan entry date once eligible. To be eligible, you must (1) complete one year of service in which you worked at least 1,000 hours ; (2) be employed on December 31; and (3) have attained 21 years of age. The Bank will make an annual Safe Harbor contribution equal to 3% of your eligible compensation. The Safe Harbor contribution is fully vested and non-forfeitable at all times. The Board determines the contribution amount on an annual basis. Vesting is based on a schedule.

Work/Life Balance

At CBT, we understand the value of taking time away from work to refresh and recharge, and we offer time off that helps you strike the right work/life balance.


CBT observes eleven paid holidays per calendar year.

Paid Time Off (PTO)

PTO combines traditional vacation and sick time to give employees more flexibility on when and how they utilize paid time off. PTO is accrued each pay period, based on the number of hours you work. Employees with less than 10 years of service receive an equivalent up to 20 days off per year and employees with 10 or more years receive an equivalent up to 25 days off per year.

Dependent Care Flexible Spending Account

Use before-tax dollars to pay for eligible day care expenses. This FSA is administered by UMR.

Other Time Away

Maternity leave is covered under our short term medical leave benefits
Family and Medical Leave Act
Jury duty
Military duty

This site provides an overview of the various benefits and programs available to CBT employees and is not part of the official plan or programs documents. If a discrepancy exists between this site and the official plan and program documents, the official plan and program documents govern.

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