Citizens Bank & Trust Co., Hutchinson, Minn.
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank & Trust Co., Hutchinson, Minn. is an FDIC-insured commercial bank headquartered in Hutchinson, MN, established in 1886 (FDIC certificate 10218), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $329.0M, down 3.0% from Q2 2025, the 83rd largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 13.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10218
- Headquarters
- Hutchinson, MN
- Established
- 1886
- Total assets, Q2 2026
- $329.0M
- Assets vs Q2 2025
- -3.0%
- CET1 ratio, Q2 2026
- 13.96%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091901862
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank & Trust Co., Hutchinson, Minn. Q3 2026 call report, filed October 16, 2026 (preliminary)
- Holding company
- CITIZENS BANCSHARES OF HUTCHINSON, INC.
- Asset rank in state
- 83rd of 221 in Minnesota
Citizens Bank & Trust Co., Hutchinson, Minn. is one of the more profitable banks of its size. Its balance sheet stood at $329 million at June 30, 2026, down 3.0% from a year earlier; it is based in Hutchinson, Minnesota. It returns 24.7% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 8.63% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 41% of Tier 1 capital, down from 60% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 2.3% and deposits fell 5.6%. Its margin is thin by comparison: it keeps 3.35 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Citizens Bank & Trust Co., Hutchinson, Minn. reported a CET1 capital ratio of 13.96%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 3.02%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Citizens Bank & Trust Co., Hutchinson, Minn. is the 83rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 6.1% to $329.0M, loans rose 2.4% and deposits rose 11.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.7% of total loans, ahead of commercial and industrial loans at 21.6%. Its 3 offices in the FDIC Summary of Deposits are in Hutchinson, MN. On its Q2 2026 call report, Citizens Bank & Trust Co., Hutchinson, Minn. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 102 Main St S, Hutchinson, MN 55350
- County
- Mcleod
- Metro Area
- Hutchinson, MN
- 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 9, Minneapolis
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1886
- Former names
- Citizens Bank & Trust Co. (1969)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $297.4M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $76K
- Average total assets
- $323.1M
- Average total loans
- $163.8M
- Average interest-bearing deposits
- $207.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10218
- Fed RSSD
- 56258
- Website
- http://www.cbhutch.com →
- Parent Holding Company
- CITIZENS BANCSHARES OF HUTCHINSON, INC. (RSSD 1121966)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Bank & Trust Co., Hutchinson, Minn.'s total assets ran between $310.0M (Q1 2026) and $339.1M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$329.0M total assets against $339.1M; $312.6M total liabilities against $328.3M.
$164.3M net loans and leases against $160.6M; $297.4M total deposits against $315.0M.
$128.1M securities against $124.2M; $20.6M cash and balances due against $38.6M.
$3.4M total interest income against $3.3M; $917K total interest expense against $1.0M.
$2.4M net interest income against $2.3M.
$216K total noninterest income against $212K; $1.6M total noninterest expense against $1.5M.
$0 provision for credit losses against $30K.
$1.0M net income against $946K.
1.26% return on assets against 1.13%; 3.35% net interest margin against 2.97%.
13.96% CET1 capital ratio against 13.44%; 8.63% tier 1 leverage ratio against 7.99%.
Inside the full Citizens Bank & Trust Co., Hutchinson, Minn. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank & Trust Co., Hutchinson, Minn. rankings
Its closest position to the top of a national ranking is 1,697 of 3,606, for efficiency ratio; its furthest is 2,333 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.65% (Q3 2024) to 1.26% (Q2 2026) and its net interest margin ran from 2.51% (Q3 2024) to 3.35% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.96% | 1.26% | 0.26% | 3.02% | 3.35% |
| Q1 2026 | 14.22% | 1.14% | 0.47% | 2.47% | 3.22% |
| Q4 2025 | 13.75% | 1.03% | 0.42% | 2.27% | 3.14% |
| Q3 2025 | 14.01% | 1.08% | 0.53% | 3.57% | 3.02% |
| Q2 2025 | 13.44% | 1.13% | 0.46% | 5.84% | 2.97% |
| Q1 2025 | 13.43% | 1.08% | 0.47% | 6.02% | 2.96% |
| Q4 2024 | 13.10% | 0.90% | 0.58% | 8.56% | 2.74% |
| Q3 2024 | 12.78% | 0.65% | 0.57% | 6.65% | 2.51% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Co. | Hutchinson , MN | 55350 | $297.4M |
| Drive-In Branch | Hutchinson , MN | 55350 | $0 |
| South Office | Hutchinson , MN | 55350 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 103 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 13 loans, $557K approved, $43K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Co., Hutchinson, Minn.
What are Citizens Bank & Trust Co., Hutchinson, Minn.'s total assets?
As of the Q2 2026 filing, Citizens Bank & Trust Co., Hutchinson, Minn. reported total assets of $329.0 million in its FFIEC call report.
Where is Citizens Bank & Trust Co., Hutchinson, Minn. headquartered?
It is headquartered in Hutchinson, MN, United States.
When was Citizens Bank & Trust Co., Hutchinson, Minn. founded?
It was established in 1886, per the FDIC institution directory.
Is Citizens Bank & Trust Co., Hutchinson, Minn. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10218). 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 Co., Hutchinson, Minn.?
Citizens Bank & Trust Co., Hutchinson, Minn.'s primary federal regulator is the FDIC.
What is Citizens Bank & Trust Co., Hutchinson, Minn.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank & Trust Co., Hutchinson, Minn. operate?
It operates 3 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 Co., Hutchinson, Minn.'s Texas Ratio?
Its Texas Ratio is 3.02% 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.
What was Citizens Bank & Trust Co., Hutchinson, Minn. previously called?
The charter now named Citizens Bank & Trust Co., Hutchinson, Minn. has also operated as Citizens Bank & Trust Co. (1969), per FDIC structure-change records.
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