Citizens Bank & Trust Company
Big Timber, MT
IDRSSD: 657758
Total Assets
$162.96M
Latest filing
Total Deposits
$129.20M
Latest filing
Net Interest Margin
4.49%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank & Trust Company
130 Mcleod St
Big Timber, MT 59011
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1927FDIC Certificate 1327
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank & Trust Company (Main) | 130 Mcleod St | Big Timber, MT |
| CONTINENTAL BRANCH | 32 Central Ave N | Harlowton, MT |
Showing 1 of 1
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1927 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 59011 |
| State and County Number | 30097 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 27 |
| Domestic Offices | 2 |
| 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.ctznsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 1972 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $162.96M |
| Total Deposits | $129.20M |
| Total Liabilities | $146.46M |
| Total Equity Capital | $16.50M |
| Net Income | $114.00k |
| Net Loans and Leases | $86.04M |
| Assets Per Employee ($Millions) | $6.04M |
| Bank Premises and Fixed Assets | $707.00k |
| Cash and Balances due from Depository Institutions | $33.59M |
| Deposits Held in Domestic Offices | $129.20M |
Key Performance Ratios
| Return on Assets (ROA) | 0.28% |
| Return on Equity (ROE) | 2.79% |
| Net Interest Margin | 4.49% |
| Efficiency Ratio | 74.1% |
| Tier 1 Risk-Based Capital Ratio | 16.102% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.45% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.125% |
| Earning Assets to total Assets | 92.64% |
Income and Expense
| Total Interest Income | $2.16M |
| Total Noninterest Income | $120.00k |
| Total Interest Expense | $497.00k |
| Total Noninterest Expense | $1.32M |
| Net Interest Income | $1.66M |
| Pre-tax Net Operating Income | $281.00k |
| Provision for Credit Losses | $180.00k |
| 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 | $16.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.26M |
| Total Liabilities and Capital | $162.96M |
Securities
| Securities | $33.69M |
| Available-for-sale debt securities | $33.69M |
| 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 Company?
$162.96M as of the latest filing.
How much are Citizens Bank & Trust Company's total deposits?
$129.20M in total deposits.
Where is Citizens Bank & Trust Company located?
Big Timber, MT.
What is the Net Interest Margin?
4.49%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1927.
What is the Return on Assets (ROA)?
0.28%.
How much are total loans and leases?
$86.04M (latest filing).
What is the total interest income (latest filing)?
$2.16M.