Citizens Bank & Trust Co., Hutchinson, MINN.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 207.89 percentage points in Q2 2026, from 283.44% to 491.33%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Citizens Bank & Trust Co., Hutchinson, MINN. is 126th of 221 on return on assets, 1.26% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Citizens Bank & Trust Co., Hutchinson, MINN. reported 1.26% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.96% |
| Tier 1 risk-based capital ratio | 13.96% |
| Total risk-based capital ratio | 15.07% |
| Tier 1 leverage ratio | 8.63% |
| Equity capital to assets | 4.98% |
| Tangible equity to tangible assets | 4.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.19% |
| Texas ratio | 3.50% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 491.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 24.75% |
| Net interest margin | 3.35% |
| Efficiency ratio | 58.83% |
| Yield on earning assets | 4.55% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.95% |
| Core deposits to total deposits | 96.23% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.38% |
| Securities to assets | 38.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.49% | 12.49% | 13.69% | 7.28% | 0.78% |
| Q4 2023 | 12.83% | 12.83% | 14.07% | 7.21% | 0.91% |
| Q1 2024 | 12.93% | 12.93% | 14.18% | 7.56% | 0.74% |
| Q2 2024 | 12.80% | 12.80% | 13.91% | 7.68% | 0.73% |
| Q3 2024 | 12.78% | 12.78% | 13.89% | 7.67% | 0.65% |
| Q4 2024 | 13.10% | 13.10% | 14.21% | 7.66% | 0.90% |
| Q1 2025 | 13.43% | 13.43% | 14.56% | 7.94% | 1.08% |
| Q2 2025 | 13.44% | 13.44% | 14.57% | 7.99% | 1.13% |
| Q3 2025 | 14.01% | 14.01% | 15.18% | 8.12% | 1.08% |
| Q4 2025 | 13.75% | 13.75% | 14.92% | 8.07% | 1.03% |
| Q1 2026 | 14.22% | 14.22% | 15.41% | 8.48% | 1.14% |
| Q2 2026 | 13.96% | 13.96% | 15.07% | 8.63% | 1.26% |
Citizens Bank & Trust Co., Hutchinson, MINN. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Co., Hutchinson, MINN., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank & Trust Co., Hutchinson, MINN. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10218) · FFIEC NIC profile (RSSD 56258)