B
Citizens Bank & Trust
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens Bank & Trust
Rock Port, MO
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Rating B
Asset Quality Index 3.70
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 3.60
Stability Index 5.80
Company Info Citizens Bank & Trust
Rock Port, MO
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FDIC Number 14293
Phone Number (660) 744-5333
Website www.cbtmo.com/
Asset Quality Citizens Bank & Trust
Rock Port, MO
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1-Year Asset Growth 0.26%
5-Year Asset Growth 2.02%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 3.11%
Non-Performing Loans to Capital 23.27%
Non-Performing Loans to Loans 6.01%
Balance Sheet Citizens Bank & Trust
Rock Port, MO
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Total Assets 102.93M
Total Deposits 88.72M
Capital and Reserves Citizens Bank & Trust
Rock Port, MO
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Capital 11.37M
Leverage Ratio 12.74
Loan Loss Reserves to Loans 1.06%
Risk-Based Capital Ratio --
Liquidity Citizens Bank & Trust
Rock Port, MO
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Hot Money Ratio 22.42%
Liquidity Ratio 18.15%
Profitability Citizens Bank & Trust
Rock Port, MO
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5-Year Return on Average Assets 0.93%
Net Income 751.00K
Net Interest Spread 3.14%
Operating Profit to Average Assets 0.93%
Overhead Efficiency Ratio 72.78%
Return on Assets 0.93%
Return on Equity 9.49%