Citizens Bank & Trust Company

BankSaint Paul, Nebraska
www.bankwithcitizens.com

Total Assets

$251.7M

Total Deposits

$194.5M

Branches

3

Established

1888

TFS Health Grade

$
D

66.8 / 100

Below average financial health

How we grade

Citizens Bank & Trust Company is a bank headquartered in Saint Paul, Nebraska, established in 1888. With $251.7M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D (66.8/100).

Capital & Safety

Tier 1 Capital Ratio
10.96%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.24%

Profitability

Return on Assets (ROA)
0.81%(1%)
Return on Equity (ROE)
9.26%(10%)
Net Interest Margin
3.11%
Efficiency Ratio
70.12%(60%)

Lending & Liquidity

Total Loans
$158.6M
Loan-to-Deposit Ratio
80.80%
Net Charge-Off Ratio
-0.00%

Growth

Asset Growth (YoY)
+1.24%
Deposit Growth (YoY)
+5.06%
Net Income
$2.0M

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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