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Citizens Bank & Trust Company
Big Timber, MT · FDIC Certificate #1972 · Chartered 01/0
Total assets
$155.40M
Total deposits
$127.17M
Total equity
$16.45M
Net loans
$94.39M
Branches (offices)
2
Net income (YTD)
$1.14M
Rank: #3,264 of 4,213 U.S. banks by assets · #26 of 35 in Montana. Assets changed 1.1% and deposits 8.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.43% |
| Return on equity | 13.98% |
| Net interest margin (YTD) | 4.17% |
| Equity to assets | 10.58% |
| Tier 1 leverage ratio | 9.92% |
| Uninsured deposits (share of deposits) | 18.3% |
| Noncurrent loans (share of loans) | 3.15% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 74.2% |
| Real estate loans (share of loans) | 77.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $73.41M | 77.8% | |
| Commercial & industrial | $8.49M | 9.0% | |
| Consumer / individual | $3.60M | 3.8% | |
| Construction & development | $5.25M | 5.6% | |
| Agricultural | $10.50M | 11.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $139.56M | $127.65M | $680.00K | $11.57M |
| Jun 2023 | $143.03M | $120.56M | $646.00K | $11.95M |
| Jun 2024 | $137.96M | $113.90M | $804.00K | $13.46M |
| Jun 2025 | $153.66M | $117.42M | $1.08M | $15.38M |
| Jun 2026 | $155.40M | $127.17M | $1.14M | $16.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $127.17M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $127.17M.
Similar-sized banks
Icon Business Bank ($155.51M) · Audubon State Bank ($155.35M)
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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