Citizens Bank & Trust (Rock Port, MO)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank & Trust is an FDIC-insured commercial bank headquartered in Rock Port, MO, established in 1902 (FDIC certificate 14293), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $107.3M, up 2.8% from Q2 2025, the 171st largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.50% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14293
- Headquarters
- Rock Port, MO
- Established
- 1902
- Total assets, Q2 2026
- $107.3M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 12.50%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101204886
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank & Trust call report
- Asset rank in state
- 171st of 191 in Missouri
Citizens Bank & Trust, based in Rock Port, Missouri, reported $107 million in assets at June 30, 2026, up 2.8% from a year earlier. It pays an average of 1.18% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.08% of loans from 0.25%.
As of June 30, 2026, Citizens Bank & Trust reported a return on assets of 1.22%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.32%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Citizens Bank & Trust is the 171st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.7% to $107.3M, loans rose 1.9% and deposits fell 4.7%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 29.4% of total loans, ahead of 1-4 family residential loans at 17.5%. Its 2 offices in the FDIC Summary of Deposits are in Rock Port, MO and Mound City, MO; its Rock Port office books 86% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N Main St, Rock Port, MO 64482
- County
- Atchison
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 28, 1902
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $93.7M
- Allowance for credit losses
- $559K
- Net charge-offs (YTD)
- $13K
- Average total assets
- $110.5M
- Average total loans
- $52.4M
- Average interest-bearing deposits
- $73.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 26, 1934
- FDIC Cert
- 14293
- Fed RSSD
- 964250
- Website
- www.cbtmo.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Citizens Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens Bank & Trust's total assets ranged from $102.7M (Q3 2024) to $122.5M (Q4 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$107.3M total assets against $104.3M; $95.3M total liabilities against $93.4M.
$52.4M net loans and leases against $50.3M; $93.7M total deposits against $91.0M.
$46.6M securities against $43.1M; $5.5M cash and balances due against $8.1M.
$1.3M total interest income against $1.2M; $290K total interest expense against $310K.
$995K net interest income against $897K.
$85K total noninterest income against $102K; $741K total noninterest expense against $669K.
$8K provision for credit losses against $0.
$337K net income against $327K.
1.22% return on assets against 1.22%; 3.69% net interest margin against 3.40%.
12.50% tier 1 leverage ratio against 12.23%.
Inside the full Citizens Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank & Trust rankings
Its closest position to the top of a national ranking is 1,971 of 3,611, for ROA; its furthest is 3,615 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.62% (Q3 2025) to 2.16% (Q4 2025) and its net interest margin ran from 2.93% (Q3 2025) to 4.43% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.50% | 1.22% | 0.08% | 0.32% | 3.69% |
| Q1 2026 | 11.71% | 1.43% | 0.11% | 0.46% | 3.63% |
| Q4 2025 | 12.69% | 2.16% | 0.27% | 1.16% | 4.43% |
| Q3 2025 | 12.74% | 0.62% | 6.01% | 26.89% | 2.93% |
| Q2 2025 | 12.23% | 1.22% | 0.25% | 1.12% | 3.40% |
| Q1 2025 | 11.44% | 0.93% | 0.59% | 2.74% | 3.10% |
| Q4 2024 | 12.46% | 0.81% | 0.08% | 0.39% | 3.20% |
| Q3 2024 | 12.13% | 0.96% | 0.10% | 0.48% | 2.96% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank & Trust (main office) | Rock Port , MO | 64482 | $80.7M |
| Mound City Branch | Mound City , MO | 64470 | $13.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 5, 1999 | Structure Change | Acquired Bank of Craig Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 200 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank & Trust
What are Citizens Bank & Trust's total assets?
As of the Q2 2026 filing, Citizens Bank & Trust reported total assets of $107.3 million in its FFIEC call report.
Where is Citizens Bank & Trust headquartered?
It is headquartered in Rock Port, MO, United States.
When was Citizens Bank & Trust founded?
It was established in 1902, per the FDIC institution directory.
Is Citizens Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14293). 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?
Citizens Bank & Trust's primary federal regulator is the FDIC.
How many branches does Citizens Bank & Trust operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.32% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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