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Citizens Bank & Trust

$100M-$1B Specialty: Agricultural MO FDIC cert 14293

Rock Port, MO

2 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO
View $100M-$1B leaderboard (MO) →

Citizens Bank & Trust has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.20% above tier average
  • + Efficiency Ratio 2.89% below tier average
  • + Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.12% below tier average
Get updates when Citizens Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $111.3M
+1.3% YoY -2.8% QoQ
-$274.7M $386.1M
+0.5% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
Bottom 3.1% in tier
Total Loans ? $51.4M
+4.2% YoY -2.7% QoQ
-$204.3M $255.7M
+1.1% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
Bottom 3.3% in tier
Total Deposits ? $98.3M
+1.0% YoY -2.0% QoQ
-$229.7M $328.0M
+0.1% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
Bottom 5.0% in tier
Return on Assets ? 1.47%
+54.3% YoY +20.8% QoQ
+0.20% 1.27%
+12.9% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
66%
Net Interest Margin ? 3.81%
+17.4% YoY +8.8% QoQ
-0.12% 3.93%
+6.0% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
47%
Efficiency Ratio ? 62.40%
-13.1% YoY -6.5% QoQ
-2.89% 65.29%
-4.5% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
52%
Delinquency Rate ? 0.11%
-81.8% YoY -60.0% QoQ
-0.78% 0.89%
+18.8% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
73%
Loan-to-Deposit Ratio ? 52.32%
+3.2% YoY -0.7% QoQ
-24.32% 76.64%
+0.8% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
Top 11.3% in tier
Non-Interest-Bearing Deposit Share ? 23.20%
-5.3% YoY +5.1% QoQ
+1.18% 22.02%
-1.0% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
59%
Nonperforming Asset Ratio ? 0.05%
-81.3% YoY -60.0% QoQ
-0.59% 0.64%
+19.7% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
78%
Tier 1 Capital Ratio ? 11.71%
+2.3% YoY -7.8% QoQ
-4.12% 15.83%
+1.5% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
31%
Non-Interest Income / Assets ? 0.08%
-1.2% YoY -77.1% QoQ
-0.20% 0.28%
+9.3% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
39%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

301
Loan-to-Deposit Ratio
liquidity
Value: 52.32%
Peer Median: 76.64%
#301 of 2664 Top 11.3% in $100M-$1B
594
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.64%
#594 of 2664 Top 22.3% in $100M-$1B

Top Weaknesses (3 metrics)

2582
Total Assets
size
Value: $111.34M
Peer Median: $386.08M
#2582 of 2664 Bottom 3.1% in $100M-$1B
2578
Total Loans
size
Value: $51.44M
Peer Median: $255.72M
#2578 of 2664 Bottom 3.3% in $100M-$1B
2531
Total Deposits
size
Value: $98.31M
Peer Median: $327.97M
#2531 of 2664 Bottom 5.0% in $100M-$1B
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