Citizens Bank & Trust Company
Saint Paul, NE
IDRSSD: 925055
Total Assets
$249.50M
Latest filing
Total Deposits
$191.29M
Latest filing
Net Interest Margin
3.19%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank & Trust Company
721 7th St
Saint Paul, NE 68873
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1888FDIC Certificate 3703
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank & Trust Company (Main) | 721 7th St | Saint Paul, NE |
| CENTRAL BANK BRANCH | 1634 16th St | Central City, NE |
| CITIZENS BANK IN LOUP CITY BRANCH | 650 P St | Loup City, NE |
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 | 01/01/1888 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68873 |
| State and County Number | 31093 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 10 |
| 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 | Grand Island, NE |
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 | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankwithcitizens.com |
| Data Updated | 11/14/2025 |
| CERT | 5469 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $249.50M |
| Total Deposits | $191.29M |
| Total Liabilities | $227.09M |
| Total Equity Capital | $22.41M |
| Net Income | $493.00k |
| Net Loans and Leases | $155.88M |
| Assets Per Employee ($Millions) | $7.34M |
| Bank Premises and Fixed Assets | $1.49M |
| Cash and Balances due from Depository Institutions | $7.97M |
| Deposits Held in Domestic Offices | $191.29M |
Key Performance Ratios
| Return on Assets (ROA) | 0.81% |
| Return on Equity (ROE) | 9.13% |
| Net Interest Margin | 3.19% |
| Efficiency Ratio | 70.74% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.982% |
| Earning Assets to total Assets | 95.84% |
Income and Expense
| Total Interest Income | $3.22M |
| Total Noninterest Income | $105.00k |
| Total Interest Expense | $1.36M |
| Total Noninterest Expense | $1.39M |
| Net Interest Income | $1.86M |
| Pre-tax Net Operating Income | $574.00k |
| Provision for Credit Losses | $0 |
| 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 | $34.43M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $642.00k |
| All Other Liabilities | $731.00k |
| Total Liabilities and Capital | $249.50M |
Securities
| Securities | $76.89M |
| Available-for-sale debt securities | $66.38M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $10.53M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank & Trust Company?
$249.50M as of the latest filing.
How much are Citizens Bank & Trust Company's total deposits?
$191.29M in total deposits.
Where is Citizens Bank & Trust Company located?
Saint Paul, NE.
What is the Net Interest Margin?
3.19%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1888.
What is the Return on Assets (ROA)?
0.81%.
How much are total loans and leases?
$155.88M (latest filing).
What is the total interest income (latest filing)?
$3.22M.