Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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Banks/FDIC #5673

Regulatory profile

CITIZENS BANK&TRUST

FDIC certificate #5673 · RSSD 701839

Current published filing2026-06-30History & events for prior periods

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Legal statusActive

Primary regulatorFDIC

Peer cohort$1B–$10B assets

Current parentNo matched current parent

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Peer interpretation

Strengths and opportunities

$1B–$10B asset cohort · 902 institutions

in lineReturn on assets66thfavorable percentile · n=902

strengthReturn on equity99thfavorable percentile · n=894

opportunityNet interest margin24thfavorable percentile · n=902

opportunityEquity to assets0thfavorable percentile · n=894

in lineNoncurrent loans64thfavorable percentile · n=887

strengthLiquid assets88thfavorable percentile · n=895

in lineBrokered deposits54thfavorable percentile · n=890

strengthLoans to deposits92ndfavorable percentile · n=890

Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.

Period-matched peer context

Percentiles use 890 verified constituents for the same filing period.

Brokered deposits to domestic deposits46thMedian 0.016 · n=890Open metric research →

Common equity tier 1 ratio36thMedian 0.135 · n=673Open metric research →

Selected CRE loans to gross loans and leases49thMedian 0.468 · n=862Open metric research →

Selected CRE loans to total capital54thMedian 2.970 · n=659Open metric research →

Domestic secured CRE noncurrent ratio66thMedian 0.003 · n=872Open metric research →

Nontrading derivative fair value to assets0thMedian 0.000 · n=534Open metric research →

Unadjusted YTD efficiency ratio69thMedian 0.595 · n=888Open metric research →

Bank equity to assets0thMedian 0.104 · n=894Open metric research →