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
Saint Paul, NE
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Rating B
Asset Quality Index 6.80
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 3.50
Stability Index 5.10
Company Info Citizens Bank & Trust Company
Saint Paul, NE
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FDIC Number 5469
Phone Number (308) 754-4426
Website www.bankwithcitizens.com
Asset Quality Citizens Bank & Trust Company
Saint Paul, NE
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1-Year Asset Growth -0.92%
5-Year Asset Growth 4.17%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 4.03%
Non-Performing Loans to Loans 0.11%
Balance Sheet Citizens Bank & Trust Company
Saint Paul, NE
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Total Assets 249.50M
Total Deposits 191.29M
Capital and Reserves Citizens Bank & Trust Company
Saint Paul, NE
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Capital 22.41M
Leverage Ratio 10.97
Loan Loss Reserves to Loans 0.88%
Risk-Based Capital Ratio --
Liquidity Citizens Bank & Trust Company
Saint Paul, NE
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Hot Money Ratio 10.83%
Liquidity Ratio 24.29%
Profitability Citizens Bank & Trust Company
Saint Paul, NE
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5-Year Return on Average Assets 0.77%
Net Income 1.38M
Net Interest Spread 3.16%
Operating Profit to Average Assets 0.86%
Overhead Efficiency Ratio 71.78%
Return on Assets 0.75%
Return on Equity 8.83%