Citizens' Bank & Trust Co. (FDIC certificate #8738) is based in Van Buren, Arkansas. Its Q2 2026 call report shows $566.4M in total assets and $503.2M in deposits and 9 offices.
Based on its Q2 2026 filing, Citizens' Bank & Trust Co. scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 12th. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is capital cushion (68/100; 11.78%).
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 rose 3 points (79 → 82), mostly because the loan quality component improved by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 75 |
| Q4 2024 | 77 |
| Q1 2025 | 81 |
| Q2 2025 | 79 |
| Q3 2025 | 81 |
| Q4 2025 | 81 |
| Q1 2026 | 82 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.62% |
| Q3 2024 | 11.93% |
| Q4 2024 | 11.74% |
| Q1 2025 | 12.02% |
| Q2 2025 | 11.76% |
| Q3 2025 | 12.27% |
| Q4 2025 | 11.83% |
| Q1 2026 | 11.99% |
| Q2 2026 | 11.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.85% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.36% |
| Q4 2025 | 0.24% |
| Q1 2026 | 0.28% |
| Q2 2026 | 0.20% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.39% |
| Q3 2024 | 1.35% |
| Q4 2024 | 1.35% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.44% |
| Q3 2025 | 1.44% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.53% |
| Q2 2026 | 1.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $566.4M | 11.78% | 0.20% | 1.55% | 60.8% |
| Q1 2026 | 82 | $563.0M | 11.99% | 0.28% | 1.53% | 62.6% |
| Q4 2025 | 81 | $551.7M | 11.83% | 0.24% | 1.46% | 63.0% |
| Q3 2025 | 81 | $539.3M | 12.27% | 0.36% | 1.44% | 65.0% |
| Q2 2025 | 79 | $541.8M | 11.76% | 0.35% | 1.44% | 64.3% |
| Q1 2025 | 81 | $539.2M | 12.02% | 0.18% | 1.33% | 63.5% |
| Q4 2024 | 77 | $532.8M | 11.74% | 0.41% | 1.35% | 63.3% |
| Q3 2024 | 75 | $529.1M | 11.93% | 0.85% | 1.35% | 59.8% |
| Q2 2024 | 75 | $535.9M | 11.62% | 0.74% | 1.39% | 58.7% |
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 Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fidelity BankBank West Memphis, AR | 78 out of 100, Strong | $546.8M | 13.1% | 0.74% | vs |
| First National Bank of Eastern ArkansasBank Forrest City, AR | 72 out of 100, Strong | $589.5M | 11.0% | 0.64% | vs |
| Cross BankBank Wynne, AR | 54 out of 100, Below average | $593.5M | 10.5% | 2.47% | vs |
| First State Bank of DeQueenBank De Queen, AR | 64 out of 100, Moderate | $525.1M | 8.5% | 1.23% | vs |
| Armor BankBank Forrest City, AR | 66 out of 100, Moderate | $516.9M | 9.4% | 0.41% | vs |
| Eagle Bank and Trust CompanyBank Little Rock, AR | 83 out of 100, Strong | $505.7M | 16.4% | 0.65% | vs |
Deposit insurance
Is my money safe at Citizens' Bank & Trust Co.?
Yes. Citizens' Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #8738). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.2% of deposits ($157.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.78%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
9 locations
Branches
Citizens' Bank & Trust Co. lists 6 offices in 4 cities. Most locations:
- Van Buren, AR (3)
- Alma, AR (1)
- Cedarville, AR (1)
- Mulberry, AR (1)
Identity & history
Profile
- Legal name
- Citizens' Bank & Trust Co.
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 8738
- RSSD ID
- 192147
- Primary regulator
- FED
- Holding company
- First Bank Corp
- Established
- May 1, 1886
- Headquarters
- 3110 Alma Hwy, Van Buren, AR 72956
- Website
- www.cbankandtrust.com
- Employees
- 87
Quick answers
Citizens' Bank & Trust Co.: common questions
Is Citizens' Bank & Trust Co. FDIC insured?
Yes. Citizens' Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #8738). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens' Bank & Trust Co.'s TellerScore?
82 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 & Trust Co. ever failed?
There is no failure record for FDIC certificate #8738 in the FDIC failed bank list.
How many branches does Citizens' Bank & Trust Co. have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Van Buren
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Security BankBank Searcy, AR | 92 out of 100, Very strong | $8.6B | 15.6% | 0.14% | vs |
| Farmers BankBank Greenwood, AR | 90 out of 100, Very strong | $288.7M | 16.2% | 0.20% | vs |
| Fort Smith Teachers Federal Credit UnionCredit union Fort Smith, AR | 89 out of 100, Very strong | $13.1M | 23.6% | 0.31% | vs |
| Arkansas Best Federal Credit UnionCredit union Fort Smith, AR | 84 out of 100, Strong | $144.0M | 16.3% | 0.62% | vs |
| Chambers BankBank Danville, AR | 81 out of 100, Strong | $1.6B | 12.6% | 0.23% | vs |
| Grand Savings BankBank Grove, OK | 80 out of 100, Strong | $1.0B | 12.0% | 0.63% | vs |