Citizens Bank & Trust Company
Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 9.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.5 has resulted in Good (6.7) profitability. Fair liquidity 3.5, driven by a liquidity ratio of 30.7 percent and a “hot money” ratio of 12.6 percent.
Asset Mix:
Securities (19%), comm re (19%), cash (14%), home mtgs (10%), comm loans (5%), consumer loans (2%), home eq lns (2%), other (28%)
States with Branches:
MT
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
CBT Corporation, Inc.
Investment Rating
--
Address
130 McLeod Street
Big Timber, MT 59011
Big Timber, MT 59011
Phone Number
(406) 932-5311
Year Founded
1927
FDIC Number
Website
Largest Affiliates
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