CITIZENS BANK & TRUST COMPANY
CITIZENS BANK & TRUST COMPANY is an FDIC-insured commercial bank headquartered in SAINT PAUL, NE, established in 1888. As of , 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 3.25%. CET1 capital ratio: 9.18%. NPL ratio: 0.22% · Texas Ratio: 1.45%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Citizens Bank & Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 9.18% | 0.95% | 0.22% | 1.45% | 3.25% |
| 2025-09-30 | 8.98% | 0.81% | 0.11% | 0.75% | 3.16% |
| 2025-06-30 | 8.81% | 0.85% | 0.13% | 0.83% | 3.10% |
| 2025-03-31 | 8.77% | 0.64% | 0.11% | 0.72% | 2.87% |
| 2024-12-31 | 7.88% | 0.77% | 0.20% | 1.46% | 2.64% |
| 2024-09-30 | 8.53% | 0.37% | 0.14% | 0.91% | 2.44% |
| 2024-06-30 | 7.96% | 0.48% | 0.16% | 1.12% | 2.52% |
| 2024-03-31 | 8.36% | 0.29% | 0.37% | 2.36% | 2.22% |
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Frequently asked about CITIZENS BANK & TRUST COMPANY
What are Citizens Bank & Trust Company's total assets?
As of the Q4 2025 filing, Citizens Bank & Trust Company reported total assets of $251.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank & Trust Company headquartered?
Citizens Bank & Trust Company is headquartered in SAINT PAUL, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank & Trust Company founded?
Citizens Bank & Trust Company was established in 1888, per the FDIC institution directory.
Is Citizens Bank & Trust Company FDIC-insured?
Yes. Citizens Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #5469). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank & Trust Company?
Citizens Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank & Trust Company's CET1 capital ratio?
Citizens Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 9.18% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does Citizens Bank & Trust Company operate?
Citizens Bank & Trust Company operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Bank & Trust Company's Texas Ratio?
Citizens Bank & Trust Company's Texas Ratio is 1.45% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.