CITIZENS BANK & TRUST COMPANY

SAINT PAUL, NE | Small | Est. Jan. 1, 1888, midnight | FDIC #5469 | RSSD #925055 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in SAINT PAUL, NE, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $252M and total deposits of $195M. Profitability stands at 0.95% ROA and 10.44% ROE, with a net interest margin of 3.33%. The bank's CET1 capital ratio is 9.18%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #5469.

Assets

$252M

Deposits

$195M

Loans

$159M

Equity

$23M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 10.44%
Net Interest Margin (NIM) 3.33%
Yield on Assets 5.68%
Cost of Funds 2.39%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.88%

Capital & Liquidity

CET1 Ratio 9.18%
Tier 1 Capital 9.18%
Total Capital Ratio 9.64%
Leverage Ratio 10.96%
Loan-to-Deposit 81.51%

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