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
Saint Paul, NE
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Rating B
Asset Quality Index 7.60
Capitalization Index 9.90
Liquidity Index 3.30
Profitability Index 3.90
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 1.24%
5-Year Asset Growth 3.03%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 1.95%
Non-Performing Loans to Loans 0.22%
Balance Sheet Citizens Bank & Trust Company
Saint Paul, NE
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Total Assets 251.71M
Total Deposits 194.54M
Capital and Reserves Citizens Bank & Trust Company
Saint Paul, NE
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Capital 23.10M
Leverage Ratio 10.96
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 11.87%
Liquidity Ratio 24.57%
Profitability Citizens Bank & Trust Company
Saint Paul, NE
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5-Year Return on Average Assets 0.77%
Net Income 1.98M
Net Interest Spread 3.21%
Operating Profit to Average Assets 0.93%
Overhead Efficiency Ratio 70.12%
Return on Assets 0.80%
Return on Equity 9.26%