B
Citizens Bank & Trust Company
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 Company
Big Timber, MT
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Rating B
Asset Quality Index 5.30
Capitalization Index 7.40
Liquidity Index 4.40
Profitability Index 5.70
Stability Index 6.70
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 7.77%
5-Year Asset Growth 4.92%
5-Year Charge-Offs to Average Loans -0.06%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 12.89%
Non-Performing Loans to Loans 0.26%
Balance Sheet Citizens Bank & Trust Company
Big Timber, MT
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Total Assets 162.96M
Total Deposits 129.20M
Capital and Reserves Citizens Bank & Trust Company
Big Timber, MT
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Capital 16.50M
Leverage Ratio 9.29
Loan Loss Reserves to Loans 2.08%
Risk-Based Capital Ratio 17.36
Liquidity Citizens Bank & Trust Company
Big Timber, MT
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Hot Money Ratio 12.40%
Liquidity Ratio 39.72%
Profitability Citizens Bank & Trust Company
Big Timber, MT
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5-Year Return on Average Assets 0.96%
Net Income 1.81M
Net Interest Spread 4.04%
Operating Profit to Average Assets 1.56%
Overhead Efficiency Ratio 57.93%
Return on Assets 1.17%
Return on Equity 11.73%