CITIZENS BANK & TRUST COMPANY

BIG TIMBER, MT | Small | Est. Jan. 1, 1927, midnight | FDIC #1972 | RSSD #657758 | FED
Latest Report: 2025-12-31

CITIZENS BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in BIG TIMBER, MT, established in Jan. 1, 1927, midnight. As of 2025-12-31, the bank reported total assets of $163M and total deposits of $129M. Profitability stands at 0.28% ROA and 2.79% ROE, with a net interest margin of 4.50%. The bank's CET1 capital ratio is 16.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.36%. FDIC Certificate #1972.

Assets

$163M

Deposits

$129M

Loans

$88M

Equity

$16M

Profitability

Return on Assets (ROA) 0.28%
Return on Equity (ROE) 2.79%
Net Interest Margin (NIM) 4.50%
Yield on Assets 5.84%
Cost of Funds 1.39%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.36%
NPA Ratio 0.04%
ACL / Loans 2.08%

Capital & Liquidity

CET1 Ratio 16.10%
Tier 1 Capital 16.10%
Total Capital Ratio 17.36%
Leverage Ratio 9.29%
Loan-to-Deposit 68.00%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required