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Citizens' Bank & Trust Co.
Van Buren, AR · FDIC Certificate #8738 · Chartered 05/0
Total assets
$566.43M
Total deposits
$503.17M
Total equity
$61.08M
Net loans
$306.13M
Branches (offices)
9
Net income (YTD)
$4.35M
Rank: #1,625 of 4,213 U.S. banks by assets · #36 of 78 in Arkansas. Assets changed 4.5% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.55% |
| Return on equity | 14.21% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 10.78% |
| Tier 1 leverage ratio | 11.78% |
| Uninsured deposits (share of deposits) | 31.2% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 60.8% |
| Real estate loans (share of loans) | 86.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $265.41M | 86.7% | |
| Commercial & industrial | $23.32M | 7.6% | |
| Consumer / individual | $20.39M | 6.7% | |
| Construction & development | $42.26M | 13.8% | |
| Agricultural | $1.29M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $539.40M | $489.17M | $3.13M | $48.78M |
| Jun 2023 | $523.42M | $471.73M | $3.83M | $49.44M |
| Jun 2024 | $535.92M | $480.00M | $3.66M | $53.32M |
| Jun 2025 | $541.84M | $482.25M | $3.86M | $57.46M |
| Jun 2026 | $566.43M | $503.17M | $4.35M | $61.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $503.17M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $503.17M.
Similar-sized banks
Farmers Bank Of Northern Missouri ($566.54M) · Century Bank ($566.20M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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