Is Citizens Bank&Trust Co Safe?
Citizens Bank&Trust Co has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (51/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.80% | 83/100 |
| Nonperforming Loan Ratio | 0.59% | 88/100 |
| Liquidity Ratio | 42.58% | 100/100 |
| Return on Assets | 0.78% | 51/100 |
| Total Assets | $0.3B | |
How does Citizens Bank&Trust Co compare?
With a Bank Health Score of 86/100, Citizens Bank&Trust Co sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, Citizens Bank&Trust Co ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 12.80% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.59% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Citizens Bank&Trust Co's Bank Health Score improved by 2.0 points to 86/100. Tier 1 capital strengthened by 0.31 percentage points to 12.80%. Quarter-over-quarter, the score rose by 1.0 points.
Citizens Bank&Trust Co has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (51/100).