B
Citizens Bank & Trust
Rating Date
August 2026
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 8.90
Capitalization Index 10.00
Liquidity Index 3.40
Profitability Index 5.10
Stability Index 6.10
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 2.80%
5-Year Asset Growth 1.35%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.04%
Non-Performing Loans to Capital 0.28%
Non-Performing Loans to Loans 0.08%
Balance Sheet Citizens Bank & Trust
Rock Port, MO
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Total Assets 107.25M
Total Deposits 93.71M
Capital and Reserves Citizens Bank & Trust
Rock Port, MO
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Capital 11.96M
Leverage Ratio 12.50
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 22.20%
Liquidity Ratio 16.17%
Profitability Citizens Bank & Trust
Rock Port, MO
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5-Year Return on Average Assets 0.94%
Net Income 753.00K
Net Interest Spread 3.66%
Operating Profit to Average Assets 1.33%
Overhead Efficiency Ratio 65.45%
Return on Assets 1.33%
Return on Equity 12.73%