B
Citizens Bank & Trust Company
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 Company
Big Timber, MT
Click to
Compare
Click to
Compare
Click to
Compare
Rating B
Asset Quality Index 2.60
Capitalization Index 8.40
Liquidity Index 3.50
Profitability Index 6.70
Stability Index 6.90
Company Info Citizens Bank & Trust Company
Big Timber, MT
Click to
Compare
Click to
Compare
Click to
Compare
FDIC Number 1972
Phone Number (406) 932-5311
Website www.ctznsbank.com
Asset Quality Citizens Bank & Trust Company
Big Timber, MT
Click to
Compare
Click to
Compare
Click to
Compare
1-Year Asset Growth 1.13%
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 1.38%
Non-Performing Loans to Capital 18.14%
Non-Performing Loans to Loans 2.22%
Balance Sheet Citizens Bank & Trust Company
Big Timber, MT
Click to
Compare
Click to
Compare
Click to
Compare
Total Assets 155.40M
Total Deposits 127.17M
Capital and Reserves Citizens Bank & Trust Company
Big Timber, MT
Click to
Compare
Click to
Compare
Click to
Compare
Capital 16.45M
Leverage Ratio 9.92
Loan Loss Reserves to Loans 2.13%
Risk-Based Capital Ratio 16.21
Liquidity Citizens Bank & Trust Company
Big Timber, MT
Click to
Compare
Click to
Compare
Click to
Compare
Hot Money Ratio 12.64%
Liquidity Ratio 30.67%
Profitability Citizens Bank & Trust Company
Big Timber, MT
Click to
Compare
Click to
Compare
Click to
Compare
5-Year Return on Average Assets 0.98%
Net Income 1.14M
Net Interest Spread 4.15%
Operating Profit to Average Assets 1.77%
Overhead Efficiency Ratio 51.03%
Return on Assets 1.45%
Return on Equity 14.08%