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Citizens Bank & Trust Company
Saint Paul, NE · FDIC Certificate #5469 · Chartered 01/0
Total assets
$242.29M
Total deposits
$199.79M
Total equity
$23.29M
Net loans
$160.11M
Branches (offices)
3
Net income (YTD)
$1.08M
Rank: #2,754 of 4,213 U.S. banks by assets · #70 of 138 in Nebraska. Assets changed 2.6% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 9.32% |
| Net interest margin (YTD) | 3.32% |
| Equity to assets | 9.61% |
| Tier 1 leverage ratio | 11.45% |
| Uninsured deposits (share of deposits) | 4.1% |
| Noncurrent loans (share of loans) | 2.42% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 80.1% |
| Real estate loans (share of loans) | 54.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $86.87M | 54.3% | |
| Commercial & industrial | $16.91M | 10.6% | |
| Consumer / individual | $1.81M | 1.1% | |
| Construction & development | $8.10M | 5.1% | |
| Agricultural | $55.56M | 34.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $235.02M | $202.00M | $1.12M | $20.10M |
| Jun 2023 | $235.47M | $204.51M | $469.00K | $19.68M |
| Jun 2024 | $245.03M | $192.97M | $463.00K | $19.49M |
| Jun 2025 | $236.18M | $191.93M | $889.00K | $20.80M |
| Jun 2026 | $242.29M | $199.79M | $1.08M | $23.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $199.79M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $199.79M.
Similar-sized banks
Center National Bank ($242.60M) · The Idabel National Bank ($242.27M)
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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