Citizens Bank & Trust Company


Citizens Bank & Trust Company is an FDIC insured institution headquartered at 721 7th St, Saint Paul, NE 68873.
It was founded in 1888 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - December 22, 2024

SAVINGS RATES APY MIN
Savings
0.20% $50 Compare
CD RATES APY MIN
6 Mo CD
0.55% $1,000 Compare
6 Mo CD
0.55% $25,000 Compare
12 Mo CD
0.70% $1,000 Compare
12 Mo CD
0.70% $25,000 Compare
18 Mo CD
0.80% $1,000 Compare
18 Mo CD
0.80% $25,000 Compare
24 Mo CD
0.85% $1,000 Compare
24 Mo CD
0.85% $25,000 Compare
36 Mo CD
0.95% $1,000 Compare
36 Mo CD
0.95% $25,000 Compare
48 Mo CD
1.05% $1,000 Compare
48 Mo CD
1.05% $25,000 Compare
60 Mo CD
1.20% $1,000 Compare
60 Mo CD
1.20% $25,000 Compare
MM RATES APY MIN
Money Market
0.20% $1,000 Compare
Money Market
0.30% $10,000 Compare
Money Market
0.40% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.15% $500

Overview 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5469
Date Established 1888
Assets $ 245.03 million
Loans $ 143.93 million
Deposits $ 192.97 million
Capital $ 19.49 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 5.78 million
Interest-bearing balances $ 1.38 million
Total securities $ 85.04 million
Federal funds sold and reverse repurchase $ 2.06 million
Net loans and leases $ 143.93 million
Loan loss allowance $ 1.39 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 4.70 million
     Total Assets $ 225.53 million

LIABILITIES
Total deposits $ 192.97 million
      Interest-bearing deposits $ 171.92 million
      Deposits held in domestic offices $ 192.97 million
      % insured (estimated) 96.55%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 10.11 million
Subordinated debt N.A.
All other liabilities $ 2.81 millionn
      Total Liabilities $ 225.53 million
      Shareholders’ Equity $ 19.49 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 5.68 million
Total Interest Expense $ 2.91 million
Net interest income $ 2.77 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 0.26 million
Total non interest expense $ 2.54 million
Pre-tax Net Operating Income $ 1.37 million

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Branches

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Citizens Bank & Trust Company Locations