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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
Deterministic ratios for CITIZENS BANK&TRUST CO from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $129M |
|---|---|
| Net loans and leases | $98M |
Plain-language readout
CITIZENS BANK&TRUST CO in Big Timber, MT funds its loans with $129M of deposits and holds $98M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for CITIZENS BANK&TRUST CO in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 76.01% in Q3 2026, against 67.90% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $98M | $129M | 76.01% |
| Q2 2026 | $94M | $127M | 74.22% |
| Q1 2026 | $89M | $131M | 67.90% |