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Citizens Bank & Trust
Rock Port, MO · FDIC Certificate #14293 · Chartered 03/2
Total assets
$107.25M
Total deposits
$93.71M
Total equity
$11.96M
Net loans
$52.42M
Branches (offices)
2
Net income (YTD)
$753.00K
Rank: #3,628 of 4,213 U.S. banks by assets · #171 of 190 in Missouri. Assets changed 2.8% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.36% |
| Return on equity | 12.69% |
| Net interest margin (YTD) | 3.80% |
| Equity to assets | 11.15% |
| Tier 1 leverage ratio | 12.50% |
| Uninsured deposits (share of deposits) | 27.3% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 55.9% |
| Real estate loans (share of loans) | 67.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $35.32M | 67.4% | |
| Commercial & industrial | $7.12M | 13.6% | |
| Consumer / individual | $1.99M | 3.8% | |
| Construction & development | $1.49M | 2.8% | |
| Agricultural | $8.44M | 16.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $117.07M | $106.44M | $386.00K | $7.95M |
| Jun 2023 | $116.29M | $106.82M | $538.00K | $7.49M |
| Jun 2024 | $111.90M | $100.94M | $552.00K | $8.82M |
| Jun 2025 | $104.33M | $90.96M | $590.00K | $10.91M |
| Jun 2026 | $107.25M | $93.71M | $753.00K | $11.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $93.71M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $93.71M.
Similar-sized banks
First Capital Bank ($107.27M) · Platte Valley Bank ($107.24M)
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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