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: 85.20 percentage points lower than in Q1 2026, at 314.51%. Citizens Bank & Trust Company ranks 116th of 138 Nebraska banks on return on assets, in the lower half at 0.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Citizens Bank & Trust Company sits 0.39 points lower, at 0.86% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.45% |
| Equity capital to assets | 9.61% |
| Tangible equity to tangible assets | 9.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 17.20% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | 314.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.86% |
| Return on equity | 9.01% |
| Net interest margin | 3.39% |
| Efficiency ratio | 66.68% |
| Yield on earning assets | 5.33% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.83% |
| Core deposits to total deposits | 97.67% |
| Brokered deposits to total deposits | 17.13% |
| Deposits to assets | 82.46% |
| Securities to assets | 28.99% |
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 | 11.67% | 0.32% | 2.37% | 0.38% | -0.00% |
| Q4 2023 | 11.49% | 0.35% | 2.33% | 0.34% | -0.00% |
| Q1 2024 | 11.47% | 0.30% | 2.29% | 0.37% | -0.01% |
| Q2 2024 | 11.25% | 0.49% | 2.63% | 0.16% | -0.01% |
| Q3 2024 | 10.56% | 0.37% | 2.53% | 0.14% | -0.00% |
| Q4 2024 | 10.39% | 0.75% | 2.86% | 0.20% | -0.01% |
| Q1 2025 | 10.93% | 0.63% | 2.99% | 0.11% | 0.01% |
| Q2 2025 | 11.09% | 0.82% | 3.22% | 0.13% | -0.01% |
| Q3 2025 | 10.97% | 0.80% | 3.28% | 0.11% | 0.00% |
| Q4 2025 | 10.96% | 0.95% | 3.34% | 0.22% | -0.01% |
| Q1 2026 | 11.31% | 0.91% | 3.50% | 0.23% | -0.00% |
| Q2 2026 | 11.45% | 0.86% | 3.39% | 0.27% | 0.01% |
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 5469) · FFIEC NIC profile (RSSD 925055)