Citizens Bank & Trust Company (FDIC certificate #5469) is based in Saint Paul, Nebraska. Its Q2 2026 call report shows $242.3M in total assets and $199.8M in deposits and 3 offices.
Based on its Q2 2026 filing, Citizens Bank & Trust Company scores 54/100, which we describe as below average. That is higher than only 10% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 130th. Its strongest component is funding & liquidity (80/100; 80% loans-to-deposits, 4% uninsured), and its lowest is loan quality (19/100; 2.42%).
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 9 points (63 → 54), mostly because the loan quality component weakened by 36 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 69 |
| Q4 2024 | 68 |
| Q1 2025 | 63 |
| Q2 2025 | 63 |
| Q3 2025 | 68 |
| Q4 2025 | 73 |
| Q1 2026 | 76 |
| Q2 2026 | 54 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.25% |
| Q3 2024 | 10.56% |
| Q4 2024 | 10.39% |
| Q1 2025 | 10.93% |
| Q2 2025 | 11.09% |
| Q3 2025 | 10.97% |
| Q4 2025 | 10.96% |
| Q1 2026 | 11.31% |
| Q2 2026 | 11.45% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.27% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.35% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.24% |
| Q1 2026 | 0.18% |
| Q2 2026 | 2.42% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.76% |
| Q4 2025 | 0.81% |
| Q1 2026 | 0.92% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $242.3M | 11.45% | 2.42% | 0.89% | 80.1% |
| Q1 2026 | 76 | $232.9M | 11.31% | 0.18% | 0.92% | 77.0% |
| Q4 2025 | 73 | $251.7M | 10.96% | 0.24% | 0.81% | 80.8% |
| Q3 2025 | 68 | $249.5M | 10.97% | 0.73% | 0.76% | 81.5% |
| Q2 2025 | 63 | $236.2M | 11.09% | 1.35% | 0.74% | 75.9% |
| Q1 2025 | 63 | $236.9M | 10.93% | 1.16% | 0.64% | 76.3% |
| Q4 2024 | 68 | $248.6M | 10.39% | 0.27% | 0.48% | 82.4% |
| Q3 2024 | 69 | $251.8M | 10.56% | 0.24% | 0.38% | 80.0% |
| Q2 2024 | 67 | $245.0M | 11.25% | 0.71% | 0.39% | 74.6% |
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 Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nebraska Bank of CommerceBank Lincoln, NE | 66 out of 100, Moderate | $241.2M | 9.6% | 0.33% | vs |
| Adams County BankBank Kenesaw, NE | 83 out of 100, Strong | $241.1M | 11.8% | 0.00% | vs |
| State Nebraska Bank & TrustBank Wayne, NE | 61 out of 100, Moderate | $244.0M | 10.9% | 1.61% | vs |
| Auburn State BankBank Auburn, NE | 91 out of 100, Very strong | $251.3M | 15.1% | 0.00% | vs |
| Farmers and Merchants State Bank, Bloomfield, NebraskaBank Bloomfield, NE | 77 out of 100, Strong | $232.9M | 9.5% | 0.07% | vs |
| First State BankBank Loomis, NE | 84 out of 100, Strong | $232.5M | 11.8% | 0.01% | vs |
Deposit insurance
Is my money safe at Citizens Bank & Trust Company?
Yes. Citizens Bank & Trust Company is an FDIC-insured institution (FDIC certificate #5469). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.1% of deposits ($8.3M) 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 11.45%, 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%).
3 locations
Branches
Citizens Bank & Trust Company lists 3 offices in 3 cities. Most locations:
- Central City, NE (1)
- Loup City, NE (1)
- Saint Paul, NE (1)
HMDA 2025
Mortgage lending
In 2025, Citizens Bank & Trust Company reported 48 home-loan applications under HMDA (LEI 5493004RS1R8ZQ6J8543): 39 originated ($5,905,000 total), 1 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Citizens Bank & Trust Company
- Former names
- Citizens Bank & Trust Company in St. Paul; The Citizens National Bank in St. Paul
- Type
- State-chartered bank
- FDIC certificate #
- 5469
- RSSD ID
- 925055
- Primary regulator
- FDIC
- Holding company
- Howard County Land&cattle Co
- Established
- January 1, 1888
- Headquarters
- 721 7th St, Saint Paul, NE 68873
- Website
- www.bankwithcitizens.com
- Employees
- 34
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 #5469). 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?
54 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 #5469 in the FDIC failed bank list.
How many branches does Citizens Bank & Trust Company have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Paul
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Boelus State BankBank Boelus, NE | 95 out of 100, Very strong | $24.4M | 15.0% | 0.00% | vs |
| Homestead BankBank Cozad, NE | 91 out of 100, Very strong | $537.0M | 18.6% | 0.20% | vs |
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| Heartland BankBank Geneva, NE | 80 out of 100, Strong | $911.1M | 10.3% | 0.13% | vs |
| Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE | 80 out of 100, Strong | $562.9M | 13.4% | 0.19% | vs |
| Five Points BankBank Grand Island, NE | 76 out of 100, Strong | $2.2B | 10.3% | 0.01% | vs |