B
Citizens Bank & Trust Company
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 Company
Big Timber, MT
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Rating B
Asset Quality Index 5.50
Capitalization Index 8.20
Liquidity Index 4.50
Profitability Index 7.10
Stability Index 6.40
Company Info Citizens Bank & Trust Company
Big Timber, MT
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FDIC Number 1972
Phone Number (406) 932-5311
Website www.ctznsbank.com
Asset Quality Citizens Bank & Trust Company
Big Timber, MT
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1-Year Asset Growth 11.98%
5-Year Asset Growth 5.82%
5-Year Charge-Offs to Average Loans -0.06%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.04%
Non-Performing Loans to Capital 10.59%
Non-Performing Loans to Loans 0.08%
Balance Sheet Citizens Bank & Trust Company
Big Timber, MT
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Total Assets 158.04M
Total Deposits 119.87M
Capital and Reserves Citizens Bank & Trust Company
Big Timber, MT
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Capital 16.22M
Leverage Ratio 9.81
Loan Loss Reserves to Loans 1.90%
Risk-Based Capital Ratio 17.31
Liquidity Citizens Bank & Trust Company
Big Timber, MT
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Hot Money Ratio 10.89%
Liquidity Ratio 39.10%
Profitability Citizens Bank & Trust Company
Big Timber, MT
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5-Year Return on Average Assets 0.96%
Net Income 1.70M
Net Interest Spread 3.95%
Operating Profit to Average Assets 1.90%
Overhead Efficiency Ratio 51.73%
Return on Assets 1.50%
Return on Equity 14.96%