Citizens Bank & Trust Company: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 37.64 percentage points higher than in Q1 2026, at 603.09%. Within Arkansas, Citizens Bank & Trust Company is 25th of 78 on return on assets, 1.57% as of Q2 2026, above the middle of the field. Citizens Bank & Trust Company reported 1.57% on return on assets for Q2 2026, 0.32 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.78% |
| Equity capital to assets | 10.78% |
| Tangible equity to tangible assets | 10.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.23% |
| Texas ratio | 1.23% |
| Allowance for credit losses to loans | 1.51% |
| Reserve coverage of non-performing loans | 603.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 14.41% |
| Net interest margin | 3.95% |
| Efficiency ratio | 46.56% |
| Yield on earning assets | 5.45% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.77% |
| Core deposits to total deposits | 88.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.83% |
| Securities to assets | 26.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.95% | 1.47% | 3.47% | 0.61% | 0.11% |
| Q4 2023 | 11.71% | 1.45% | 3.49% | 0.55% | 0.16% |
| Q1 2024 | 11.97% | 1.35% | 3.39% | 1.03% | 0.05% |
| Q2 2024 | 11.62% | 1.43% | 3.56% | 0.91% | 0.08% |
| Q3 2024 | 11.93% | 1.26% | 3.39% | 1.07% | 0.12% |
| Q4 2024 | 11.74% | 1.34% | 3.48% | 0.68% | 0.84% |
| Q1 2025 | 12.02% | 1.33% | 3.57% | 0.28% | 0.55% |
| Q2 2025 | 11.76% | 1.53% | 3.76% | 0.50% | 0.03% |
| Q3 2025 | 12.27% | 1.45% | 3.80% | 0.42% | -0.03% |
| Q4 2025 | 11.83% | 1.53% | 3.87% | 0.23% | 0.07% |
| Q1 2026 | 11.99% | 1.52% | 3.75% | 0.26% | -0.02% |
| Q2 2026 | 11.78% | 1.57% | 3.95% | 0.25% | 0.23% |
Citizens Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Company, 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 Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8738) · FFIEC NIC profile (RSSD 192147)