Citizens Bank & Trust Co.
Hutchinson, MN
IDRSSD: 56258
Total Assets
$322.19M
Latest filing
Total Deposits
$293.54M
Latest filing
Net Interest Margin
3.19%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank & Trust Co.
102 Main St S
Hutchinson, MN 55350
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1886FDIC Certificate 6555
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank & Trust Co. (Main) | 102 Main St S | Hutchinson, MN |
| DRIVE-IN BRANCH | 133 Franklin St Nw | Hutchinson, MN |
| SOUTH OFFICE | 1390 Highway 15 S | Hutchinson, MN |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1886 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55350 |
| State and County Number | 27085 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Hutchinson, MN |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 3 |
| 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 | http://www.cbhutch.com |
| Data Updated | 01/30/2026 |
| CERT | 10218 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $322.19M |
| Total Deposits | $293.54M |
| Total Liabilities | $306.10M |
| Total Equity Capital | $16.09M |
| Net Income | $867.00k |
| Net Loans and Leases | $162.64M |
| Assets Per Employee ($Millions) | $9.48M |
| Bank Premises and Fixed Assets | $8.23M |
| Cash and Balances due from Depository Institutions | $4.48M |
| Deposits Held in Domestic Offices | $293.54M |
Key Performance Ratios
| Return on Assets (ROA) | 1.08% |
| Return on Equity (ROE) | 22.28% |
| Net Interest Margin | 3.19% |
| Efficiency Ratio | 64% |
| Tier 1 Risk-Based Capital Ratio | 13.755% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 4.994% |
| Earning Assets to total Assets | 93.81% |
Income and Expense
| Total Interest Income | $3.40M |
| Total Noninterest Income | $201.00k |
| Total Interest Expense | $1.00M |
| Total Noninterest Expense | $1.66M |
| Net Interest Income | $2.40M |
| Pre-tax Net Operating Income | $906.00k |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.97M |
| Federal Funds Sold & Reverse Repurchase Agreement | $8.35M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.58M |
| Total Liabilities and Capital | $322.19M |
Securities
| Securities | $130.95M |
| Available-for-sale debt securities | $130.95M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank & Trust Co.?
$322.19M as of the latest filing.
How much are Citizens Bank & Trust Co.'s total deposits?
$293.54M in total deposits.
Where is Citizens Bank & Trust Co. located?
Hutchinson, MN.
What is the Net Interest Margin?
3.19%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1886.
What is the Return on Assets (ROA)?
1.08%.
How much are total loans and leases?
$162.64M (latest filing).
What is the total interest income (latest filing)?
$3.40M.