Total Assets
$163M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$129M
Customer-funded liabilities
Net Loans
$86M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
11.71%
Efficiency Ratio
57.93%
What the numbers say about Citizens Bank & Trust Company
Citizens Bank & Trust Company is an FDIC-insured institution (Certificate #1972) headquartered in Big Timber, Montana, established in 1927. It holds $163M in total assets - 3,259th of 4,313 FDIC-insured banks, $129M in customer deposits, and $86M in net loans. On safety, its Tier 1 capital ratio of 16.10% is above the 10% well-capitalized threshold, and its Texas Ratio of 11.47% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Citizens Bank & Trust Company ranks 24th of 36 banks based in Montana -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Montana by total assets
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.
Other banks in Montana
All Montana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Citizens Bank & Trust Company's health grade?▼
Citizens Bank & Trust Company receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens Bank & Trust Company?▼
Citizens Bank & Trust Company holds $163M in total assets and $129M in deposits, ranking 3,259th of 4,313 FDIC-insured banks by asset size. It is headquartered in Big Timber, Montana.
Is my money safe at Citizens Bank & Trust Company?▼
Yes, deposits at Citizens Bank & Trust Company (Certificate #1972) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Bank & Trust Company's Tier 1 Capital Ratio?▼
Citizens Bank & Trust Company has a Tier 1 Capital Ratio of 16.10%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens Bank & Trust Company?▼
Citizens Bank & Trust Company has a Texas Ratio of 11.47%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Bank & Trust Company?▼
Citizens Bank & Trust Company has an Efficiency Ratio of 57.93%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Bank & Trust Company's profile as a depositor or analyst.
- Citizens Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Bank & Trust Company against other Montana banks before moving funds. Montana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.