Is Citizens Bank&Trust Co Well Capitalized?
Citizens Bank&Trust Co (FDIC cert #10218) reports a Tier 1 capital ratio of 12.80%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — Citizens Bank&Trust Co carries 4.80 percentage points of cushion above the floor.
This page answers a common banking-safety question: Is Citizens Bank&Trust Co Well Capitalized?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Citizens Bank&Trust Co Capital Position
- Tier 1 capital ratio
- 12.80%
- Regulatory status
- well capitalized
- Well-capitalized floor
- 8.00%
- Cushion vs. floor
- +4.80 pts
- Capital factor score
- 83/100
Source: FDIC Call Report data (cert #10218). Regulatory categories follow federal prompt-corrective-action thresholds.
Citizens Bank&Trust Co's Tier 1 capital ratio of 12.80% sits comfortably above the 8% "well-capitalized" threshold and clears the stricter 10% floor many community banks target — a strong core-equity cushion against loan losses. Tier 1 capital is the loss-absorbing equity that stands between a bank's depositors and its credit risk, which is why regulators weight it so heavily — and why BankHealth assigns it 35% of the composite score (this factor scores 83/100 for Citizens Bank&Trust Co).
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.
Frequently Asked Questions
Citizens Bank&Trust Co (FDIC cert #10218) reports a Tier 1 capital ratio of 12.80%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — Citizens Bank&Trust Co carries 4.80 percentage points of cushion above the floor.
The Tier 1 capital ratio measures a bank's core equity capital as a percentage of its risk-weighted assets. It is the single most important regulatory gauge of whether a bank can absorb losses without failing. Federal regulators consider 8% or higher "well-capitalized," and many community banks target 10%+. Citizens Bank&Trust Co's ratio of 12.80% places it in the "well capitalized" regulatory category.
"Well capitalized" is a federal regulatory status (Tier 1 capital ratio of 8% or more) signaling that a bank holds enough equity to absorb unexpected loan losses. Citizens Bank&Trust Co meets this bar at 12.80%, the strongest of the federal capital categories. For depositors, insured balances (up to $250,000 per ownership category) are protected by the FDIC regardless of a bank's capital status — strong capital primarily reduces the odds of failure in the first place.
Citizens Bank&Trust Co's Bank Health Score of 86/100 is 13.0 points above the Minnesota state average of 73/100. 225 FDIC-insured banks are headquartered in Minnesota.
Yes. Citizens Bank&Trust Co (FDIC certificate #10218) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Citizens Bank&Trust Co
Citizens Bank&Trust Co (FDIC cert #10218) reports a Tier 1 capital ratio of 12.80%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — Citizens Bank&Trust Co carries 4.80 percentage points of cushion above the floor.