Citizens Bank & Trust Company
Big Timber, MT · Cert 1972 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CBT Corp. Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
$155.4MAssets
$96.4MLoans
$127.2MDeposits
$16.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets operating in a single state (rank 705 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.46%
Rank 180 of 746
Net Interest Margin
4.01%
Rank 245 of 746
Efficiency Ratio
51.03%
Rank 121 of 746
Equity / Assets
10.58%
Rank 360 of 746
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 84% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.72% | 1.06% | 1.45% | Beats 76% | 180 / 746 | | |
| Return on Equity | 13.80% | 6.74% | 10.51% | 13.63% | Beats 76% | 179 / 746 | | |
| Net Interest Margin | 4.01% | 3.17% | 3.68% | 4.16% | Beats 67% | 245 / 746 | | |
| Efficiency Ratio | 51.03% | 55.74% | 64.58% | 75.47% | Beats 84% | 121 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.15% | 0.09% | 0.42% | 1.07% | Beats 5% | 705 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.95% | 11.55% | 13.75% | 17.60% | Beats 61% | 290 / 746 | | |
| Total Risk-Based Capital Ratio | 16.21% | 11.71% | 14.33% | 18.43% | Beats 65% | 262 / 746 | | |
| Equity / Assets | 10.58% | 8.90% | 10.51% | 13.06% | Beats 52% | 360 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.84% | 61.31% | 78.27% | 90.78% | 45th pctl | 407 / 746 | | |
| Loans / Assets | 62.07% | 53.60% | 66.97% | 76.08% | 40th pctl | 451 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |