Citizens Bank & Trust
Rock Port, MO
IDRSSD: 964250
Total Assets
$102.93M
Latest filing
Total Deposits
$88.72M
Latest filing
Net Interest Margin
2.97%
Profitability
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 | 03/28/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 64482 |
| State and County Number | 29005 |
| Subchapter S Corporations | Yes |
| Trust Powers | Limited Trust Powers Granted |
| 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 | N/A |
Operational Info
| Number of Employees | 19 |
| 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 | 04/26/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cbtmo.com |
| Data Updated | 11/14/2025 |
| CERT | 14293 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $102.93M |
| Total Deposits | $88.72M |
| Total Liabilities | $91.56M |
| Total Equity Capital | $11.37M |
| Net Income | $161.00k |
| Net Loans and Leases | $52.63M |
| Assets Per Employee ($Millions) | $5.42M |
| Bank Premises and Fixed Assets | $855.00k |
| Cash and Balances due from Depository Institutions | $5.02M |
| Deposits Held in Domestic Offices | $88.72M |
Key Performance Ratios
| Return on Assets (ROA) | 0.62% |
| Return on Equity (ROE) | 5.78% |
| Net Interest Margin | 2.97% |
| Efficiency Ratio | 80.76% |
| 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 | 11.05% |
| Earning Assets to total Assets | 96.17% |
Income and Expense
| Total Interest Income | $1.03M |
| Total Noninterest Income | $107.00k |
| Total Interest Expense | $289.00k |
| Total Noninterest Expense | $684.00k |
| Net Interest Income | $740.00k |
| Pre-tax Net Operating Income | $163.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.53M |
| All Other Liabilities | $313.00k |
| Total Liabilities and Capital | $102.93M |
Securities
| Securities | $42.51M |
| Available-for-sale debt securities | $42.48M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$102.93M as of the latest filing.
How much are Citizens Bank & Trust's total deposits?
$88.72M in total deposits.
Where is Citizens Bank & Trust located?
Rock Port, MO.
What is the Net Interest Margin?
2.97%.
How many domestic offices does it operate?
2.
When was it established?
03/28/1902.
What is the Return on Assets (ROA)?
0.62%.
How much are total loans and leases?
$52.63M (latest filing).
What is the total interest income (latest filing)?
$1.03M.