Citizens Bank & Trust Company
Total assets
$242.3M
▲ +2.6% YoY
Deposits
$199.8M
▲ +4.1% YoY
Loans
$160.1M
▲ +9.9% YoY
Offices
3
HOWARD COUNTY LAND&CATTLE CO
ROA (annualized)
0.89%
peers 1.24%
ROE (annualized)
9.32%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | +4.1% | +4.0% | +0.1 pts |
| Loan growth (YoY) | +9.9% | +5.6% | +4.3 pts |
| ROA | 0.89% | 1.24% | -0.3 pts |
| ROE | 9.3% | 11.9% | -2.5 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
Profile
- Established
- 1888
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- HOWARD COUNTY LAND&CATTLE CO
- Specialization
- Agricultural Specialization
- Address
- 721 7th St, Saint Paul, NE, 68873
- County
- Howard
- Metro area
- Grand Island, NE
- Offices
- 3
- FDIC cert #
- 5469
- RSSD ID
- 925055
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $242.3M | $199.8M | $160.1M | $23.3M | $1.1M | 0.89% | 3.32% | 1.62% |
| Q1 2026 | $232.9M | $195.4M | $150.4M | $23.3M | $558K | 0.92% | 3.38% | 0.12% |
| Q4 2025 | $251.7M | $194.5M | $157.2M | $23.1M | $2.0M | 0.81% | 3.11% | 0.15% |
| Q3 2025 | $249.5M | $191.3M | $155.9M | $22.4M | $1.4M | 0.76% | 3.07% | 0.46% |
| Q2 2025 | $236.2M | $191.9M | $145.7M | $20.8M | $889K | 0.74% | 3.04% | 0.84% |
| Q1 2025 | $236.9M | $186.8M | $142.4M | $20.8M | $389K | 0.64% | 2.92% | 0.70% |
| Q4 2024 | $248.6M | $185.2M | $152.6M | $19.6M | $1.2M | 0.48% | 2.54% | 0.17% |
| Q3 2024 | $251.8M | $189.0M | $151.2M | $21.5M | $695K | 0.38% | 2.46% | 0.15% |
Loan mix (Q2 2026): real estate $86.9M · commercial $16.9M · consumer $1.8M · securities $70.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.96% | 21th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 62.9% | 65th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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