Citizens Bank & Trust Co.

BankHutchinson, Minnesota
http://www.cbhutch.com

Total Assets

$322.2M

Total Deposits

$293.5M

Branches

3

Established

1886

TFS Health Grade

$
D+

68.7 / 100

Below average financial health

How we grade

Citizens Bank & Trust Co. is a bank headquartered in Hutchinson, Minnesota, established in 1886. With $322.2M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D+ (68.7/100).

Capital & Safety

Tier 1 Capital Ratio
8.07%(8%)
Total Capital Ratio
14.92%(10%)
Non-Performing Loan Ratio
0.42%

Profitability

Return on Assets (ROA)
1.12%(1%)
Return on Equity (ROE)
29.56%(10%)
Net Interest Margin
3.03%
Efficiency Ratio
62.32%(60%)

Lending & Liquidity

Total Loans
$164.8M
Loan-to-Deposit Ratio
55.40%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+1.61%
Deposit Growth (YoY)
+2.47%
Net Income
$3.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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