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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Big Timber, MT · FDIC certificate #1972
CITIZENS BANK&TRUST CO is an FDIC-insured institution based in Big Timber, MT (FDIC certificate #1972). In its Q3 2026 Call Report it reported total assets of $156M, total deposits of $129M and net loans of $98M. Its primary federal regulator is FED.
Reported facts
CITIZENS BANK&TRUST CO (FDIC certificate #1972) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $156M |
|---|---|
| Total deposits | $129M |
| Net loans and leases | $98M |
| Return on assets | 1.48% |
| Return on equity | 14.36% |
| Net interest margin | 4.35% |
| Quarterly asset change | 0.42% |
| Quarterly deposit change | 1.06% |
Plain-language readout
CITIZENS BANK&TRUST CO in Big Timber, MT reported total assets of $156M, total deposits of $129M and net loans of $98M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 1.48%, a return on equity of 14.36%, a net interest margin of 4.35%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $156M | $129M | $98M | 1.48% | 14.36% | 4.35% |
| Q2 2026 | $155M | $127M | $94M | 1.43% | 13.98% | 4.17% |
| Q1 2026 | $158M | $131M | $89M | 1.32% | 13.12% | 4.24% |
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