Citizens Bank & Trust Company
Headquarters
721 7th St
Saint Paul, NE 68873
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2024 Overview
General Bank Information
Citizens Bank & Trust Company is an FDIC insured institution located in Saint Paul, NE. It was founded in 1888 and has approximately $0.25 billion in assets. Customers can open an account at one of its 3 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 5469 |
| Date Established | 1888 |
| Assets | $ 245.03 million |
| Loans | $ 143.93 million |
| Deposits | $ 192.97 million |
| Capital | $ 19.49 million |
For a more detailed analysis of Citizens Bank & Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Citizens Bank & Trust Company
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% |
6.375% 0.88 points $4,010 fees |
$1,997 | Learn More |
NMLS ID: 1025894 |
6.955% |
6.875% 0.63 points $2,594 fees |
$2,103 | Learn More |
NMLS ID: 3030 |
7.325% |
7.250% 0.75 points $2,400 fees |
$2,183 | Learn More |
NMLS ID: 491986 |
points fees |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR
7.240 %
After Intro: 7.240 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR
10.625 %
After Intro: 10.625 % |
$0 |
Learn More
More Info |
Note to Citizens Bank & Trust Company
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Branches
Citizens Bank & Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Citizens Bank & Trust Company Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 799.10 | A | View Lobby Hours | |
| 823.89 | B | View Lobby Hours | |
| 851.18 | C | View Lobby Hours |
Climate Policy and Initiatives
Citizens Bank & Trust Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Citizens Bank & Trust Company Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Citizens Bank & Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Citizens Bank & Trust Company | U.S. Bank Average |
|---|---|
| 4.96% | 4.48% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2024, Citizens Bank & Trust Company had $1,036,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,493,000 in equity and $1,385,000 in loans loss reserves. That gives it a Texas Ratio of 4.96%.
Return on Equity
| Citizens Bank & Trust Company | U.S. Bank Average |
|---|---|
| 4.72% | 10.46% |
Citizens Bank & Trust Company has a Return on Equity of 4.72% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Citizens Bank & Trust Company | U.S. Bank Average |
|---|---|
| 7.96% | 10.84% |
Citizens Bank & Trust Company has a Capitalization of 7.96% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Citizens Bank & Trust Company Balance Sheet Analysis
As of June 30, 2024, Citizens Bank & Trust Company had assets of $245,026,000, loans of $143,931,000, and deposits of $192,973,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
June 30, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 5.78 million |
| Interest-bearing balances | $ 1.38 million |
| Total securities | $ 85.04 million |
| Federal funds sold and reverse repurchase | $ 2.06 million |
| Net loans and leases | $ 143.93 million |
| Loan loss allowance | $ 1.39 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 4.70 million |
| Total Assets | $ 225.53 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 192.97 million |
| Interest-bearing deposits | $ 171.92 million |
| Deposits held in domestic offices | $ 192.97 million |
| % insured (estimated) | 96.55% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 10.11 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 2.81 million |
| Total Liabilities | $ 225.53 million |
| Shareholders’ Equity | $ 19.49 million |
Summary Income Statement
June 30, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 5.68 million |
| Total Interest Expense | $ 2.91 million |
| Net interest income | $ 2.77 million |
| Provision for loan and lease losses | $ 0.03 million |
| Total non interest income | $ 0.26 million |
| Total non interest expense | $ 2.54 million |
| Pre-tax Net Operating Income | $ 1.37 million |
Bank Loan Profile?
The top three loan types in Citizens Bank & Trust Company’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.
Compared to other banks, Citizens Bank & Trust Company’s loan portfolio does not show any specific loan specialty.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 9.61 | ✓ | ||
| Multifamily Mortgages |
0.14 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 1.00 | ✓ | ||
| Small Business Loans | 1.21 | ✓ | ||
| Construction and Development Loans | 2.79 | ✓ | ||
| Commercial Real Estate | 2.61 | ✓ | ||
| Commercial and Industrial Loans | 10.33 | ✓ | ||
| Farm Loans | 29.91 | ✓ | ||
Customer Reviews for Citizens Bank & Trust Company
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