B
Citizens Bank & Trust
Rating Date
March 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 3.60
Profitability Index 4.70
Stability Index 5.60
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 3.69%
5-Year Asset Growth 1.35%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.13%
Non-Performing Loans to Capital 1.03%
Non-Performing Loans to Loans 0.27%
Balance Sheet Citizens Bank & Trust
Rock Port, MO
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Total Assets 114.51M
Total Deposits 100.34M
Capital and Reserves Citizens Bank & Trust
Rock Port, MO
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Capital 11.90M
Leverage Ratio 12.69
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 19.41%
Liquidity Ratio 14.82%
Profitability Citizens Bank & Trust
Rock Port, MO
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5-Year Return on Average Assets 0.93%
Net Income 1.32M
Net Interest Spread 3.46%
Operating Profit to Average Assets 1.24%
Overhead Efficiency Ratio 66.77%
Return on Assets 1.23%
Return on Equity 12.23%