FDIC Cert #10218 · Hutchinson, Minnesota · Est. 1886

Citizens Bank & Trust Co. - FDIC Bank Health Profile

A community-scale look at Citizens Bank & Trust Co.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$322M
Total assets
A
Health grade · Excellent
1.12%
Return on assets
13.8%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Bank & Trust Co. earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.75% Tier 1, profitable at 1.12% ROA, 62% efficiency ratio.

#2,387
largest of 4,313 FDIC banks by assets
45th
percentile by asset size, nationally
13.75%
Tier 1 ratio - above the 10% well-capitalized line
52nd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 10218 · MN A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1652/4307
  • PHOTO-FINISH Peoples State Bank o… · ND
  • TIER1-WELL 13.8% Tier 1
  • TEXAS-CLEAN 3.8% Texas
  • ROA-PAR 1.12% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Peoples State Bank of Velva, ND (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Bank & Trust Co.

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank & Trus… · MN ·…83/100Citizens Bank and Tr… · TN ·…83/100Commercial State Bank · TX ·…83/100Peoples State Bank o… · ND ·…83/100The Citizens Bank Co… · OH ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Bank & Trust Co. · July 2026

Call Report read for Citizens Bank & Trust Co. in a high-failure state

Citizens Bank & Trust Co. (FDIC Cert #10218) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,652 of 4,307. Tier 1 capital prints at 13.75%, clearing the 10% well-capitalized line. The Texas Ratio is 3.80%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.12%. Balance-sheet scale is $322M, 2,387th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Peoples State Bank of Velva (ND), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Bank & Trust Co.

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

Citizens Bank & Trust Co. sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Citizens Bank & Trust Co.'s current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How Citizens Bank & Trust Co.'s 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
Citizens Bank & Trust Co.'s composite health score
Tier 1 Capital Ratio (13.75%) 35/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (3.80%) 20/20
Efficiency Ratio (62.32%) 8/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$322M

Total balance-sheet footings

Total Deposits

$294M

Customer-funded liabilities

Net Loans

$163M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.35% 13.75% 15.15%
Basel III capital ratios - Citizens Bank & Trust Co.

Where Citizens Bank & Trust Co. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank & Trust Co.'s score of 83/100 falls in the highlighted band.

Citizens Bank & Trust Co.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 38% higher than 62% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens Bank & Trust Co. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens Bank & Trust Co.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank & Trust Co.'s $322M falls in the highlighted band.

Capital & credit buffers at Citizens Bank & Trust Co.

Tier 1 capital ratio
Well-capitalized 10%

13.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.75%
Texas Ratio
3.80%
Equity Capital
$16M

What these ratios mean →

Earnings posture at Citizens Bank & Trust Co.

Return on Assets (ROA)
52nd percentile nationally
1.12%
Return on Equity (ROE)
29.56%
Efficiency Ratio
62.32%

What these mean →

Income & expense at Citizens Bank & Trust Co.

$13M
Interest Income
$797K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank & Trust Co. reports a Texas Ratio of 3.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Bank & Trust Co. on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($322M here), outside Minnesota so the neighborhood is not state containment.

Kaw Valley Bank $322M · KS Charles River Bank $322M · MA Traditions First Bank $323M · TN First State Bank of Burnet $323M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank & Trust Co. (FDIC Cert #10218) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens Bank & Trust Co. Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%