Citizens' Bank & Trust Co.
Van Buren, AR
IDRSSD: 192147
Total Assets
$539.35M
Latest filing
Total Deposits
$475.75M
Latest filing
Net Interest Margin
3.82%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens' Bank & Trust Co.
3110 Alma Hwy
Van Buren, AR 72956
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/01/1886FDIC Certificate 5566
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Citizens' Bank & Trust Co. (Main) | 3110 Alma Hwy | Van Buren, AR |
| DOWNTOWN BRANCH | 617 Broadway St | Van Buren, AR |
| MOUNTAINBURG BRANCH | 124 Highway 71 Nw | Mountainburg, AR |
| NORTH HILLS DRIVE-THRU BRANCH | 1519 Fayetteville Rd | Van Buren, AR |
| NORTHRIDGE DRIVE BRANCH | 4 Northridge Dr | Van Buren, AR |
| ALMA BRANCH | 200 Highway 71 N | Alma, AR |
| INTERNET BANKING BRANCH | 3110 Alma Hwy | Van Buren, AR |
| CEDARVILLE BRANCH | 8828 Hwy 59 North | Cedarville, AR |
Showing 7 of 8
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Fidelity Bank
West Memphis, Arkansas
→
Assets: $551.70MΔ +1.8%
Cross Bank
Wynne, Arkansas
→
Assets: $557.44MΔ +2.9%
Fm Bank And Trust
Blytheville, Arkansas
→
Assets: $563.81MΔ +4.1%
First National Bank of Eastern Arkansas
Forrest City, Arkansas
→
Assets: $568.65MΔ +4.9%
CS Bank
Eureka Springs, Arkansas
→
Assets: $593.83MΔ +9.6%
First State Bank
Russellville, Arkansas
→
Assets: $598.23MΔ +10.4%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 05/01/1886 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 72956 |
| State and County Number | 05033 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Fort Smith, AR-OK |
Operational Info
| Number of Employees | 91 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cbankandtrust.com |
| Data Updated | 11/14/2025 |
| CERT | 8738 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $539.35M |
| Total Deposits | $475.75M |
| Total Liabilities | $478.20M |
| Total Equity Capital | $61.15M |
| Net Income | $1.94M |
| Net Loans and Leases | $309.21M |
| Assets Per Employee ($Millions) | $5.99M |
| Bank Premises and Fixed Assets | $5.35M |
| Cash and Balances due from Depository Institutions | $61.22M |
| Deposits Held in Domestic Offices | $475.75M |
Key Performance Ratios
| Return on Assets (ROA) | 1.44% |
| Return on Equity (ROE) | 13.1% |
| Net Interest Margin | 3.82% |
| Efficiency Ratio | 51.13% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.338% |
| Earning Assets to total Assets | 93.52% |
Income and Expense
| Total Interest Income | $7.06M |
| Total Noninterest Income | $660.00k |
| Total Interest Expense | $2.24M |
| Total Noninterest Expense | $2.80M |
| Net Interest Income | $4.82M |
| Pre-tax Net Operating Income | $2.58M |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.45M |
| Total Liabilities and Capital | $539.35M |
Securities
| Securities | $142.82M |
| Available-for-sale debt securities | $114.51M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $23.55M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens' Bank & Trust Co.?
$539.35M as of the latest filing.
How much are Citizens' Bank & Trust Co.'s total deposits?
$475.75M in total deposits.
Where is Citizens' Bank & Trust Co. located?
Van Buren, AR.
What is the Net Interest Margin?
3.82%.
How many domestic offices does it operate?
9.
When was it established?
05/01/1886.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$309.21M (latest filing).
What is the total interest income (latest filing)?
$7.06M.