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Citizens Bank & Trust Co.
Hutchinson, MN · FDIC Certificate #10218 · Chartered 01/0
Total assets
$329.02M
Total deposits
$297.38M
Total equity
$16.39M
Net loans
$164.30M
Branches (offices)
3
Net income (YTD)
$1.94M
Rank: #2,343 of 4,213 U.S. banks by assets · #83 of 221 in Minnesota. Assets changed -3.0% and deposits -5.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.21% |
| Return on equity | 23.81% |
| Net interest margin (YTD) | 3.19% |
| Equity to assets | 4.98% |
| Tier 1 leverage ratio | 8.63% |
| Uninsured deposits (share of deposits) | 29.9% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 55.2% |
| Real estate loans (share of loans) | 68.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $112.72M | 68.6% | |
| Commercial & industrial | $35.97M | 21.9% | |
| Consumer / individual | $1.83M | 1.1% | |
| Construction & development | $421.00K | 0.3% | |
| Agricultural | $13.00M | 7.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $319.24M | $313.74M | $1.54M | $4.79M |
| Jun 2023 | $318.22M | $295.22M | $1.39M | $4.68M |
| Jun 2024 | $314.87M | $290.50M | $1.22M | $7.58M |
| Jun 2025 | $339.13M | $314.99M | $1.84M | $10.81M |
| Jun 2026 | $329.02M | $297.38M | $1.94M | $16.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $297.38M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $297.38M.
Similar-sized banks
Citizens Savings Bank ($329.09M) · Altoona First Savings Bank ($328.62M)
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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