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
Van Buren, AR
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Rating B
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 7.40
Stability Index 6.30
Company Info Citizens Bank & Trust Company
Van Buren, AR
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FDIC Number 8738
Phone Number (479) 474-1201
Website www.cbankandtrust.com
Asset Quality Citizens Bank & Trust Company
Van Buren, AR
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1-Year Asset Growth 1.93%
5-Year Asset Growth 6.37%
5-Year Charge-Offs to Average Loans 0.14%
Charge-Offs to Average Loans 0.18%
Non-Performing Assets to Assets 0.24%
Non-Performing Loans to Capital 1.76%
Non-Performing Loans to Loans 0.42%
Balance Sheet Citizens Bank & Trust Company
Van Buren, AR
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Total Assets 539.35M
Total Deposits 475.75M
Capital and Reserves Citizens Bank & Trust Company
Van Buren, AR
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Capital 61.15M
Leverage Ratio 12.27
Loan Loss Reserves to Loans 1.44%
Risk-Based Capital Ratio --
Liquidity Citizens Bank & Trust Company
Van Buren, AR
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Hot Money Ratio 22.19%
Liquidity Ratio 14.42%
Profitability Citizens Bank & Trust Company
Van Buren, AR
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5-Year Return on Average Assets 1.41%
Net Income 5.80M
Net Interest Spread 3.72%
Operating Profit to Average Assets 1.87%
Overhead Efficiency Ratio 51.31%
Return on Assets 1.43%
Return on Equity 13.39%