CITIZENS BANK & TRUST CO., HUTCHINSON, MINN.

HUTCHINSON, MN | Small | Est. Jan. 1, 1886, midnight | FDIC #10218 | RSSD #56258 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK & TRUST CO., HUTCHINSON, MINN. is asn small FDIC-insured commercial bank headquartered in HUTCHINSON, MN, established in Jan. 1, 1886, midnight. As of 2025-12-31, the bank reported total assets of $322M and total deposits of $294M. Profitability stands at 1.08% ROA and 22.28% ROE, with a net interest margin of 3.25%. The bank's CET1 capital ratio is 13.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.42% and a Texas Ratio of 3.80%. FDIC Certificate #10218.

Assets

$322M

Deposits

$294M

Loans

$165M

Equity

$16M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 22.28%
Net Interest Margin (NIM) 3.25%
Yield on Assets 4.60%
Cost of Funds 1.32%

Asset Quality

NPL Ratio 0.42%
Net Charge-Off Ratio --
Texas Ratio 3.80%
NPA Ratio 0.22%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 13.75%
Tier 1 Capital 13.75%
Total Capital Ratio 14.92%
Leverage Ratio 8.07%
Loan-to-Deposit 56.15%

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