Citizens Bank & Trust Company (FDIC certificate #1972) is based in Big Timber, Montana. Its Q2 2026 call report shows $155.4M in total assets and $127.2M in deposits and 2 offices.
Citizens Bank & Trust Company has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 34th. Funding & liquidity contributes the most (83/100, 74% loans-to-deposits, 18% uninsured); loan quality contributes the least (0/100, 3.15%).
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 28 points (77 → 49), mostly because the loan quality component weakened by 97 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 77 |
| Q4 2024 | 74 |
| Q1 2025 | 78 |
| Q2 2025 | 77 |
| Q3 2025 | 60 |
| Q4 2025 | 53 |
| Q1 2026 | 48 |
| Q2 2026 | 49 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.09% |
| Q3 2024 | 10.27% |
| Q4 2024 | 9.55% |
| Q1 2025 | 9.57% |
| Q2 2025 | 9.62% |
| Q3 2025 | 9.81% |
| Q4 2025 | 9.29% |
| Q1 2026 | 9.28% |
| Q2 2026 | 9.92% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.09% |
| Q3 2025 | 2.04% |
| Q4 2025 | 2.39% |
| Q1 2026 | 3.17% |
| Q2 2026 | 3.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 1.13% |
| Q4 2024 | 0.99% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.48% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.32% |
| Q2 2026 | 1.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $155.4M | 9.92% | 3.15% | 1.43% | 74.2% |
| Q1 2026 | 48 | $158.3M | 9.28% | 3.17% | 1.32% | 67.9% |
| Q4 2025 | 53 | $163.0M | 9.29% | 2.39% | 1.17% | 66.6% |
| Q3 2025 | 60 | $158.0M | 9.81% | 2.04% | 1.48% | 70.7% |
| Q2 2025 | 77 | $153.7M | 9.62% | 0.09% | 1.43% | 68.4% |
| Q1 2025 | 78 | $148.2M | 9.57% | 0.08% | 1.41% | 64.3% |
| Q4 2024 | 74 | $151.2M | 9.55% | 0.13% | 0.99% | 62.3% |
| Q3 2024 | 77 | $141.1M | 10.27% | 0.08% | 1.13% | 69.4% |
| Q2 2024 | 77 | $138.0M | 10.09% | 0.08% | 1.14% | 64.1% |
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 Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Freedom BankBank Columbia Falls, MT | 78 out of 100, Strong | $157.3M | 12.2% | 0.54% | vs |
| The Bank of BakerBank Baker, MT | 74 out of 100, Strong | $160.9M | 10.9% | 0.72% | vs |
| First State Bank of ForsythBank Forsyth, MT | 71 out of 100, Strong | $165.5M | 12.1% | 1.69% | vs |
| The First State Bank of ShelbyBank Shelby, MT | 93 out of 100, Very strong | $175.6M | 19.4% | 0.00% | vs |
| Pioneer State BankBank Deer Lodge, MT | 70 out of 100, Strong | $133.5M | 16.8% | 0.59% | vs |
| Eagle BankBank Polson, MT | 92 out of 100, Very strong | $179.5M | 13.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Citizens Bank & Trust Company?
Yes. Citizens Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1972). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.3% of deposits ($23.3M) 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 9.92%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.21% (benchmark: 10%).
2 locations
Branches
Citizens Bank & Trust Company lists 2 offices in 2 cities. Most locations:
- Big Timber, MT (1)
- Harlowton, MT (1)
Identity & history
Profile
- Legal name
- Citizens Bank & Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 1972
- RSSD ID
- 657758
- Primary regulator
- FED
- Holding company
- Cbt Corp Inc
- Established
- January 1, 1927
- Headquarters
- 130 Mcleod St, Big Timber, MT 59011
- Website
- www.ctznsbank.com
- Employees
- 28
Quick answers
Citizens Bank & Trust Company: common questions
Is Citizens Bank & Trust Company FDIC insured?
Yes. Citizens Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1972). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank & Trust Company's TellerScore?
49 out of 100 (Below average), 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 Company ever failed?
There is no failure record for FDIC certificate #1972 in the FDIC failed bank list.
How many branches does Citizens Bank & Trust Company have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Big Timber
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American BankBank Bozeman, MT | 79 out of 100, Strong | $630.4M | 11.1% | 0.00% | vs |
| Opportunity Bank of MontanaBank Helena, MT | 71 out of 100, Strong | $2.1B | 10.9% | 0.26% | vs |
| Sky Federal Credit UnionCredit union Livingston, MT | 53 out of 100, Below average | $197.3M | 7.7% | 1.02% | vs |