Headquartered in Butler, Missouri, Citizens Bank is a state-chartered bank with $188.1M in total assets and $171.1M in deposits as of Q2 2026. It operates 10 offices across 2 states. Its charter dates back to 1926.
Citizens Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 108th. Earnings contributes the most (100/100, 2.43%); capital cushion contributes the least (27/100, 7.73%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (76 → 70), mostly because the capital cushion component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 77 |
| Q4 2024 | 77 |
| Q1 2025 | 76 |
| Q2 2025 | 76 |
| Q3 2025 | 75 |
| Q4 2025 | 73 |
| Q1 2026 | 72 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.50% |
| Q3 2024 | 9.56% |
| Q4 2024 | 9.35% |
| Q1 2025 | 9.13% |
| Q2 2025 | 9.20% |
| Q3 2025 | 9.13% |
| Q4 2025 | 8.22% |
| Q1 2026 | 7.89% |
| Q2 2026 | 7.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.10% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.20% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.55% |
| Q3 2024 | 2.76% |
| Q4 2024 | 2.87% |
| Q1 2025 | 2.86% |
| Q2 2025 | 2.86% |
| Q3 2025 | 2.83% |
| Q4 2025 | 2.81% |
| Q1 2026 | 2.34% |
| Q2 2026 | 2.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $188.1M | 7.73% | 0.20% | 2.43% | 98.5% |
| Q1 2026 | 72 | $194.5M | 7.89% | 0.13% | 2.34% | 92.8% |
| Q4 2025 | 73 | $183.8M | 8.22% | 0.10% | 2.81% | 98.2% |
| Q3 2025 | 75 | $187.8M | 9.13% | 0.15% | 2.83% | 94.2% |
| Q2 2025 | 76 | $187.7M | 9.20% | 0.11% | 2.86% | 93.2% |
| Q1 2025 | 76 | $193.0M | 9.13% | 0.12% | 2.86% | 89.7% |
| Q4 2024 | 77 | $185.4M | 9.35% | 0.02% | 2.87% | 90.7% |
| Q3 2024 | 77 | $188.5M | 9.56% | 0.20% | 2.76% | 90.2% |
| Q2 2024 | 76 | $184.3M | 9.50% | 0.19% | 2.55% | 91.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Progressive Ozark BankBank Salem, MO | 77 out of 100, Strong | $190.9M | 9.8% | 0.03% | vs |
| Citizens' Bank of CharlestonBank Charleston, MO | 86 out of 100, Very strong | $185.1M | 20.5% | 0.83% | vs |
| State Bank of Southwest MissouriBank Springfield, MO | 64 out of 100, Moderate | $183.8M | 7.5% | 0.00% | vs |
| F&M Bank and Trust CompanyBank Hannibal, MO | 66 out of 100, Moderate | $182.4M | 10.2% | 0.85% | vs |
| Adrian BankBank Adrian, MO | 85 out of 100, Very strong | $195.6M | 12.6% | 0.52% | vs |
| New Frontier BankBank Saint Charles, MO | 71 out of 100, Strong | $175.7M | 9.3% | 0.00% | vs |
Deposit insurance
Is my money safe at Citizens Bank?
Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #22601). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.4% of deposits ($29.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.90% (benchmark: 10%).
10 locations
Branches
Citizens Bank lists 10 offices in 10 cities across 2 states. Most locations:
- Adrian, MO (1)
- Butler, MO (1)
- Cleveland, MO (1)
- Drexel, MO (1)
- Fort Scott, KS (1)
- Hume, MO (1)
- Liberal, MO (1)
- Mindenmines, MO (1)
- Rich Hill, MO (1)
- Rockville, MO (1)
Identity & history
Profile
- Legal name
- Citizens Bank
- Type
- State-chartered bank
- FDIC certificate #
- 22601
- RSSD ID
- 97457
- Primary regulator
- FDIC
- Holding company
- Amsterdam Bancshares Inc
- Established
- January 4, 1926
- Headquarters
- 19 S Orange St, Butler, MO 64730
- Website
- www.citizensbank.ws
- Employees
- 46
Quick answers
Citizens Bank: common questions
Is Citizens Bank FDIC insured?
Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #22601). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank ever failed?
There is no failure record for FDIC certificate #22601 in the FDIC failed bank list.
How many branches does Citizens Bank have?
10 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Butler
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Montrose Savings BankBank Montrose, MO | 97 out of 100, Very strong | $63.2M | 14.5% | 0.13% | vs |
| St. Clair County State BankBank Osceola, MO | 87 out of 100, Very strong | $231.8M | 13.5% | 0.24% | vs |
| Adrian BankBank Adrian, MO | 85 out of 100, Very strong | $195.6M | 12.6% | 0.52% | vs |
| Exchange State BankBank Saint Paul, KS | 84 out of 100, Strong | $105.0M | 11.6% | 0.00% | vs |
| The Farmers State Bank of Blue MoundBank Blue Mound, KS | 76 out of 100, Strong | $57.6M | 11.6% | 0.20% | vs |
| Hawthorn BankBank Jefferson City, MO | 75 out of 100, Strong | $1.8B | 11.3% | 0.47% | vs |