Citizens Bank & Trust Company (Van Buren, AR)
BankRegReports is independent of Citizens Bank & Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Citizens Bank & Trust Company is an FDIC-insured commercial bank headquartered in Van Buren, AR, established in 1886 (FDIC certificate 8738), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $566.4M, up 4.5% from Q2 2025, the 36th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.78% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8738
- Headquarters
- Van Buren, AR
- Established
- 1886
- Total assets, Q2 2026
- $566.4M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 11.78%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 082901017
- Latest call report
- Q2 2026, FFIEC 041 · Citizens Bank & Trust Company call report
- Holding company
- FIRST BANK CORP
- Asset rank in state
- 36th of 78 in Arkansas
Citizens Bank & Trust Company runs leaner than most banks of its size. It reported $566 million in assets at June 30, 2026, up 4.5% from a year earlier. It spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also shrank its loan book 1.2% over the year, lower than about three-quarters of banks its size (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 1.2% and deposits rose 4.3%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.20% of loans from 0.35%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Citizens Bank & Trust Company reported a return on assets of 1.57%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 0.95%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Citizens Bank & Trust Company is the 36th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $566.4M, loans fell 1.8% and deposits rose 1.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 33.0% of total loans, followed by non-owner-occupied commercial real estate loans at 31.0%. The FDIC Summary of Deposits lists 9 offices for it, in 5 cities in AR; its Van Buren 5 offices book 62% of its branch deposits. On its Q2 2026 call report, Citizens Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3110 Alma Hwy, Van Buren, AR 72956
- County
- Crawford
- Metro Area
- Fort Smith, AR-OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 1, 1886
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 87
- Domestic deposits
- $503.2M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $161K
- Average total assets
- $564.2M
- Average total loans
- $314.2M
- Average interest-bearing deposits
- $378.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8738
- Fed RSSD
- 192147
- Website
- www.cbankandtrust.com →
- Parent Holding Company
- FIRST BANK CORP (RSSD 1491360)
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 Company 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 Company's total assets ranged from $511.6M (Q3 2023) to $566.4M (Q2 2026), 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
$566.4M total assets against $541.8M; $505.4M total liabilities against $484.4M.
$306.1M net loans and leases against $310.2M; $503.2M total deposits against $482.3M.
$147.5M securities against $139.0M; $85.7M cash and balances due against $66.2M.
$7.3M total interest income against $7.0M; $2.0M total interest expense against $2.2M.
$5.2M net interest income against $4.8M.
$677K total noninterest income against $752K; $2.8M total noninterest expense against $2.7M.
$200K provision for credit losses against $119K.
$2.2M net income against $2.1M.
1.57% return on assets against 1.53%; 3.95% net interest margin against 3.76%.
11.78% tier 1 leverage ratio against 11.76%.
Inside the full Citizens Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens Bank & Trust Company rankings
Its closest position to the top of a national ranking is 508 of 3,606, for efficiency ratio; its furthest is 2,705 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.26% (Q3 2024) to 1.57% (Q2 2026) and its net interest margin ran from 3.39% (Q3 2024) to 3.95% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.78% | 1.57% | 0.20% | 0.95% | 3.95% |
| Q1 2026 | 11.99% | 1.52% | 0.28% | 1.35% | 3.75% |
| Q4 2025 | 11.83% | 1.53% | 0.24% | 1.16% | 3.87% |
| Q3 2025 | 12.27% | 1.45% | 0.36% | 1.74% | 3.80% |
| Q2 2025 | 11.76% | 1.53% | 0.35% | 1.79% | 3.76% |
| Q1 2025 | 12.02% | 1.33% | 0.18% | 0.89% | 3.57% |
| Q4 2024 | 11.74% | 1.34% | 0.41% | 3.43% | 3.48% |
| Q3 2024 | 11.93% | 1.26% | 0.85% | 3.88% | 3.39% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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. | Van Buren , AR | 72956 | $162.5M |
| Alma Branch | Alma , AR | 72921 | $132.6M |
| Northridge Drive Branch | Van Buren , AR | 72956 | $67.8M |
| Downtown Branch | Van Buren , AR | 72956 | $54.2M |
| North Hills Drive-Thru Branch | Van Buren , AR | 72956 | $27.6M |
| Mountainburg Branch | Mountainburg , AR | 72946 | $24.7M |
| Cedarville Branch | Cedarville , AR | 72932 | $22.6M |
| Mulberry Branch | Mulberry , AR | 72947 | $11.2M |
| Internet Banking Branch | Van Buren , AR | 72956 | $0 |
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 |
|---|---|---|---|
| December 8, 1990 | Structure Change | Acquired First American Savings Bank, F.S.B. Failure, Government Assistance Provided 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
- 0.5% of deposits in AR, rank 39 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $102K approved, $51K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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
Add this badge to your website
Free to use. It shows Citizens Bank & Trust Company’s latest filed figures and updates each quarter.
Similar banks
Compare Citizens Bank & Trust Company with peers
Frequently asked about Citizens Bank & Trust Company
What are Citizens Bank & Trust Company's total assets?
As of the Q2 2026 filing, Citizens Bank & Trust Company reported total assets of $566.4 million in its FFIEC call report.
Where is Citizens Bank & Trust Company headquartered?
It is headquartered in Van Buren, AR, United States.
When was Citizens Bank & Trust Company founded?
It was established in 1886, per the FDIC institution directory.
Is Citizens Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8738). 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 Federal Reserve.
How many branches does Citizens Bank & Trust Company operate?
It operates 9 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 Company's Texas Ratio?
Its Texas Ratio is 0.95% 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.
Go deeper on Citizens Bank & Trust Company.
Get an email when Citizens Bank & Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Citizens Bank & Trust Company, freeFree account