FDIC Cert #1972 · Big Timber, Montana · Est. 1927

Citizens Bank & Trust Company - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$163M
Total assets
A
Health grade · Excellent
1.17%
Return on assets
16.1%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Bank & Trust Company earns a PlainBankData health grade of A (88/100), with well-capitalized at 16.10% Tier 1, profitable at 1.17% ROA, efficient (58% cost ratio).

#3,259
largest of 4,313 FDIC banks by assets
24th
percentile by asset size, nationally
16.10%
Tier 1 ratio - above the 10% well-capitalized line
55th
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 1972 · MT A · 88/100

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

  • GRADE-A A (88/100)
  • MID-PACK #1078/4307
  • PHOTO-FINISH Waukon State Bank · IA
  • TIER1-WELL 16.1% Tier 1
  • TEXAS-CLEAN 11.5% Texas
  • ROA-PAR 1.17% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Montana: Waukon State Bank, IA (±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 Company

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

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank & Trus… · MT ·…88/100First National Bank… · SC · …88/100The Bank of Magnolia… · OH ·…88/100The Bank of Old Monroe · MO …88/100Waukon State Bank · IA · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Bank & Trust Company · July 2026

Plate reading for Citizens Bank & Trust Company where failures stay rare

Citizens Bank & Trust Company (FDIC Cert #1972) carries a PlainBankData health grade of A at 88/100, 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 #1,078 of 4,307. Tier 1 capital prints at 16.10%, clearing the 10% well-capitalized line. The Texas Ratio is 11.47%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.17%. Balance-sheet scale is $163M, 3,259th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Waukon State Bank (IA), 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 Company

Zero FAILURE resolutions in Montana since 2000

Citizens Bank & Trust Company is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • Q BANK FORT BENTON, MT 1998 → HERITAGE STATE BANK
  • FIRST SECURITY BANK OF ANACONDA ANACONDA, MT 1992 → BANK OF MONTANA ANACONDA
  • TREASURE STATE BANK GLASGOW, MT 1989 → VALLEY BANK OF GLASGOW

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

How Citizens Bank & Trust Company's 88/100 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 avg77/10088/100
Citizens Bank & Trust Company's composite health score
Tier 1 Capital Ratio (16.10%) 40/40
Return on Assets (ROA) (1.17%) 20/25
Texas Ratio (11.47%) 16/20
Efficiency Ratio (57.93%) 12/15

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

Balance sheet at a glance

Total Assets

$163M

Total balance-sheet footings

Total Deposits

$129M

Customer-funded liabilities

Net Loans

$86M

Outstanding loan book

Net Income

$2M

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.) 14.7% 16.1% 17.5%
Basel III capital ratios - Citizens Bank & Trust Company

Where Citizens Bank & Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank & Trust Company's score of 88/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

88 Top 25% higher than 75% 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 Company 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 Company'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 Company's $163M falls in the highlighted band.

Safety metrics: Citizens Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

16.10% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.10%
Texas Ratio
11.47%
Equity Capital
$16M

What these ratios mean →

Earnings posture at Citizens Bank & Trust Company

Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
11.71%
Efficiency Ratio
57.93%

What these mean →

Income & expense at Citizens Bank & Trust Company

$8M
Interest Income
$521K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank & Trust Company reports a Texas Ratio of 11.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

11.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Bank & Trust Company on FDIC BankFind →

Top banks in Montana by total assets

Largest banks headquartered in Montana
  1. 1
    Glacier Bank $32.0B

    Kalispell, MT · Grade B

  2. 2
    First Interstate Bank $26.6B

    Billings, MT · Grade A

  3. 3
    Stockman Bank of Montana $7.6B

    Miles City, MT · Grade A

  4. 4
    Opportunity Bank of Montana $2.1B

    Helena, MT · Grade B

  5. 5
    The Yellowstone Bank $1.4B

    Laurel, MT · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($163M here), outside Montana so the neighborhood is not state containment.

Audubon State Bank $163M · IA Lineage Bank $163M · TN First National Bank and Trust Co. of… $164M · ND The Brady National Bank $164M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank & Trust Company (FDIC Cert #1972) - 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 Company Call Report profile · FDIC Failed Bank List · Montana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Montana

All Montana banks →
BankAssetsGradeROA
Glacier BankKalispell $32.0B B 0.90%
First Interstate BankBillings $26.6B A 1.20%
Stockman Bank of MontanaMiles City $7.6B A 1.87%
Opportunity Bank of MontanaHelena $2.1B B 0.83%
The Yellowstone BankLaurel $1.4B A 2.85%
Independence BankHavre $1.3B A 1.57%
TrailWest BankLolo $1.1B A 1.88%
Bank of Bridger, National AssociationBridger $799M A 0.72%