CITIZENS BANK & TRUST COMPANY

VAN BUREN, AR | Medium | Est. May 1, 1886, midnight | FDIC #8738 | RSSD #192147 | FED
Latest Report: 2025-12-31

CITIZENS BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in VAN BUREN, AR, established in May 1, 1886, midnight. As of 2025-12-31, the bank reported total assets of $552M and total deposits of $489M. Profitability stands at 1.55% ROA and 13.85% ROE, with a net interest margin of 3.98%. The bank's CET1 capital ratio is 10.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 1.10%. FDIC Certificate #8738.

Assets

$552M

Deposits

$489M

Loans

$312M

Equity

$61M

Profitability

Return on Assets (ROA) 1.55%
Return on Equity (ROE) 13.85%
Net Interest Margin (NIM) 3.98%
Yield on Assets 5.74%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio 0.15%
Texas Ratio 1.10%
NPA Ratio 0.13%
ACL / Loans 1.44%

Capital & Liquidity

CET1 Ratio 10.85%
Tier 1 Capital 10.85%
Total Capital Ratio 11.39%
Leverage Ratio 11.83%
Loan-to-Deposit 63.88%

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