Citizens Bank & Trust Company (Saint Paul, NE)
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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 Saint Paul, NE, established in 1888 (FDIC certificate 5469), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $242.3M, up 2.6% from Q2 2025, the 70th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.45% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5469
- Headquarters
- Saint Paul, NE
- Established
- 1888
- Total assets, Q2 2026
- $242.3M
- Assets vs Q2 2025
- +2.6%
- Tier 1 leverage ratio, Q2 2026
- 11.45%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 104902062
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank & Trust Company call report
- Holding company
- HOWARD COUNTY LAND AND CATTLE CO.
- Asset rank in state
- 70th of 138 in Nebraska
Problem loans are rising at Citizens Bank & Trust Company. It reported $242 million in assets at June 30, 2026, up 2.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.42% of loans from 1.35% a year earlier. It carries problem assets equal to 15.9% of the capital and reserves that would absorb them, 6.0 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans equal to only 44% of its capital, about a third the median of 1.2 times for banks its size.
The commercial and industrial book ($17 million) is worsening: 9.58% of it is past due or on nonaccrual, up from 1.36% a year earlier. Loans are outrunning deposits: over the year loans rose 9.8% and deposits rose 4.1%. Its margin is thin by comparison: it keeps 3.39 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 Company reported a return on assets of 0.86%, a nonperforming-loan ratio of 2.42% and a Texas ratio of 15.87%. The figures come from its call report filed with the FFIEC.
Citizens Bank & Trust Company ranks as the 70th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.0% to $242.3M, loans rose 6.4% and deposits rose 2.2%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 34.4% of total loans, ahead of farmland and other real estate loans at 30.6%. Its 3 offices in the FDIC Summary of Deposits are in Saint Paul, NE, Loup City, NE and Central City, NE; its Saint Paul office books 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 721 7th St, Saint Paul, NE 68873
- County
- Howard
- Metro Area
- Grand Island, NE
- 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 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1888
- Former names
- Citizens Bank & Trust Company in St. Paul (1980-2009)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $199.8M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $243.1M
- Average total loans
- $153.9M
- Average interest-bearing deposits
- $182.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5469
- Fed RSSD
- 925055
- Website
- www.bankwithcitizens.com →
- Parent Holding Company
- HOWARD COUNTY LAND AND CATTLE CO. (RSSD 1051401)
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
Citizens Bank & Trust Company's total assets moved between a low of $231.2M (Q1 2024) and a high of $251.8M (Q3 2024) from Q3 2023 to 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
$242.3M total assets against $236.2M; $219.0M total liabilities against $215.4M.
$160.1M net loans and leases against $145.7M; $199.8M total deposits against $191.9M.
$70.2M securities against $77.6M; $4.7M cash and balances due against $5.1M.
$3.0M total interest income against $3.1M; $1.1M total interest expense against $1.3M.
$1.9M net interest income against $1.8M.
$102K total noninterest income against $99K; $1.4M total noninterest expense against $1.3M.
$0 provision for credit losses against $0.
$524K net income against $500K.
0.86% return on assets against 0.82%; 3.39% net interest margin against 3.22%.
11.45% tier 1 leverage ratio against 11.09%.
Inside the full Citizens Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank & Trust Company rankings
Its closest position to the top of a national ranking is 274 of 3,640, for Texas Ratio; its furthest is 2,784 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q3 2024) to 0.95% (Q4 2025) and its net interest margin ran from 2.53% (Q3 2024) to 3.50% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.45% | 0.86% | 2.42% | 15.87% | 3.39% |
| Q1 2026 | 11.31% | 0.91% | 0.18% | 1.11% | 3.50% |
| Q4 2025 | 10.96% | 0.95% | 0.24% | 1.56% | 3.34% |
| Q3 2025 | 10.97% | 0.80% | 0.73% | 4.81% | 3.28% |
| Q2 2025 | 11.09% | 0.82% | 1.35% | 8.97% | 3.22% |
| Q1 2025 | 10.93% | 0.63% | 1.16% | 7.53% | 2.99% |
| Q4 2024 | 10.39% | 0.75% | 0.27% | 1.98% | 2.86% |
| Q3 2024 | 10.56% | 0.37% | 0.24% | 1.61% | 2.53% |
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 Company (main office) | Saint Paul , NE | 68873 | $97.9M |
| Citizens Bank in Loup City Branch | Loup City , NE | 68853 | $53.1M |
| Central Bank Branch | Central City , NE | 68826 | $48.8M |
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 |
|---|---|---|---|
| December 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2009 | Structure Change | Acquired Central Bank 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
- 0.2% of deposits in NE, rank 79 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 42 applications, 40 loans originated, $4.4M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $90K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $242.3 million in its FFIEC call report.
Where is Citizens Bank & Trust Company headquartered?
It is headquartered in Saint Paul, NE, United States.
When was Citizens Bank & Trust Company founded?
It was established in 1888, per the FDIC institution directory.
Is Citizens Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5469). 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 FDIC.
How many branches does Citizens Bank & Trust Company 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 Company's Texas Ratio?
Its Texas Ratio is 15.87% 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 Company previously called?
The charter now named Citizens Bank & Trust Company has also operated as Citizens Bank & Trust Company in St. Paul (1980-2009), per FDIC structure-change records.
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