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BankSonar

Citizens Bank & Trust Company

Saint Paul, NE · State, non-member commercial bank

54

Sonar Score

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out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$232.9M
Total deposits
$195.4M
Branches
3
Return on assets
0.92%
Return on equity
9.63%
Charter type
State, non-member commercial bank
Established
1888
FDIC cert #
5469

How the 54 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Modest but positive returns.

Return on equityweight 15%

Positive but moderate equity returns.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at Citizens Bank & Trust Company

Citizens Bank & Trust Company is an FDIC-insured institution (Cert #5469). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

3 branch locations

1634 16th St

Central City, NE 68826

650 P St

Loup City, NE 68853

721 7th St

Saint Paul, NE 68873

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