Citizens Bank & Trust Company (Big Timber, MT)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank & Trust Company is an FDIC-insured commercial bank headquartered in Big Timber, MT, established in 1927 (FDIC certificate 1972), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $155.4M, up 1.1% from Q2 2025, the 26th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 14.95% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1972
- Headquarters
- Big Timber, MT
- Established
- 1927
- Total assets, Q2 2026
- $155.4M
- Assets vs Q2 2025
- +1.1%
- CET1 ratio, Q2 2026
- 14.95%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 092900985
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank & Trust Company call report
- Holding company
- CBT CORPORATION, INC.
- Asset rank in state
- 26th of 35 in Montana
Problem loans are rising at Citizens Bank & Trust Company. It reported $155 million in assets at June 30, 2026, up 1.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.15% of loans from 0.09% a year earlier. It carries problem assets equal to 18.3% of the capital and reserves that would absorb them, 6.9 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 17.7% over the year, about triple the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 17.7% and deposits rose 8.3%. Delinquency has appeared in its $13 million non-owner-occupied commercial real estate book: 1.50% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Citizens Bank & Trust Company reported a CET1 capital ratio of 14.95%, a return on assets of 1.57%, a nonperforming-loan ratio of 3.15% and a Texas ratio of 18.28%. The figures come from its call report filed with the FFIEC.
Of the 35 banks headquartered in Montana, Citizens Bank & Trust Company is the 26th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.9% to $155.4M, loans rose 6.4% and deposits fell 2.7%. Farmland and other real estate loans made up 20.5% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 20.2%. Its 2 offices in the FDIC Summary of Deposits are in Big Timber, MT and Harlowton, MT; its Big Timber office books 58% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 130 Mcleod St, Big Timber, MT 59011
- County
- Sweet Grass
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1927
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $127.2M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $154.2M
- Average total loans
- $94.8M
- Average interest-bearing deposits
- $78.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1972
- Fed RSSD
- 657758
- Website
- www.ctznsbank.com →
- Parent Holding Company
- CBT CORPORATION, INC. (RSSD 1857779)
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
From Q3 2023 to Q2 2026, Citizens Bank & Trust Company's total assets ranged from $138.0M (Q2 2024) to $163.0M (Q4 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
$155.4M total assets against $153.7M; $138.9M total liabilities against $138.3M.
$94.4M net loans and leases against $80.4M; $127.2M total deposits against $117.4M.
$29.3M securities against $33.5M; $21.9M cash and balances due against $30.1M.
$1.9M total interest income against $1.9M; $413K total interest expense against $494K.
$1.5M net interest income against $1.4M.
$123K total noninterest income against $127K; $825K total noninterest expense against $759K.
$100K provision for credit losses against $30K.
$606K net income against $549K.
1.57% return on assets against 1.45%; 4.09% net interest margin against 3.97%.
14.95% CET1 capital ratio against 16.05%; 9.92% tier 1 leverage ratio against 9.62%.
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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Citizens Bank & Trust Company rankings
Its closest position to the top of a national ranking is 210 of 3,640, for Texas Ratio; its furthest is 3,251 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.28% (Q4 2025) to 1.60% (Q3 2025) and its net interest margin ran from 3.70% (Q3 2024) to 4.28% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.95% | 1.57% | 3.15% | 18.28% | 4.09% |
| Q1 2026 | 14.69% | 1.34% | 3.17% | 18.17% | 4.21% |
| Q4 2025 | 16.10% | 0.28% | 2.39% | 12.79% | 4.28% |
| Q3 2025 | 16.05% | 1.60% | 2.04% | 11.03% | 4.06% |
| Q2 2025 | 16.05% | 1.45% | 0.09% | 0.47% | 3.97% |
| Q1 2025 | 15.86% | 1.44% | 0.08% | 0.43% | 3.82% |
| Q4 2024 | 16.45% | 0.62% | 0.13% | 0.72% | 4.00% |
| Q3 2024 | 15.77% | 1.13% | 0.08% | 0.42% | 3.70% |
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 Company (main office) | Big Timber , MT | 59011 | $73.4M |
| Continental Branch | Harlowton , MT | 59036 | $53.8M |
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 |
|---|---|---|---|
| July 26, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 26, 2008 | Structure Change | Acquired The Continental National Bank of Harlowton 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MT, rank 32 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (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 Company
What are Citizens Bank & Trust Company's total assets?
As of the Q2 2026 filing, Citizens Bank & Trust Company reported total assets of $155.4 million in its FFIEC call report.
Where is Citizens Bank & Trust Company headquartered?
It is headquartered in Big Timber, MT, United States.
When was Citizens Bank & Trust Company founded?
It was established in 1927, per the FDIC institution directory.
Is Citizens Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1972). 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.
What is Citizens Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.95% 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 Company 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 Company's Texas Ratio?
Its Texas Ratio is 18.28% 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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