CITIZENS BANK & TRUST

ROCK PORT, MO | Small | Est. March 28, 1902, midnight | FDIC #14293 | RSSD #964250 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK & TRUST is asn small FDIC-insured commercial bank headquartered in ROCK PORT, MO, established in March 28, 1902, midnight. As of 2025-12-31, the bank reported total assets of $115M and total deposits of $100M. Profitability stands at 2.10% ROA and 19.66% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 10.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.27% and a Texas Ratio of 1.16%. FDIC Certificate #14293.

Assets

$115M

Deposits

$100M

Loans

$53M

Equity

$12M

Profitability

Return on Assets (ROA) 2.10%
Return on Equity (ROE) 19.66%
Net Interest Margin (NIM) 4.56%
Yield on Assets 5.69%
Cost of Funds 1.50%

Asset Quality

NPL Ratio 0.27%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.16%
NPA Ratio 0.13%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 10.31%
Tier 1 Capital 10.31%
Total Capital Ratio 10.83%
Leverage Ratio 12.69%
Loan-to-Deposit 53.26%

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