Citizens Bank & Trust Company
Saint Paul, Nebraska, Howard County
$242M in total assets, the 2,792nd largest of 4,309 US banks and 70th of 139 headquartered in Nebraska.
- FDIC certificate
- 5469
- Established
- 1888
- Owned by
- Howard County Land&cattle Co
- Primary regulator
- FDIC
- Website
- www.bankwithcitizens.com
At a glance
Compared with 80 banks headquartered in Nebraska with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $242M | 41% | $305M | |
| Loans | $161M | 39% | $221M | |
| Deposits | $200M | 39% | $258M | |
| Return on assets | 0.89% | 15% | 1.33% | |
| Net interest margin | 3.32% | 16% | 3.95% | |
| Efficiency ratio | 68.5% | 89% | 57.7% | |
| Equity to assets | 9.61% | 30% | 11.11% | |
| Loans to deposits | 81% | 29% | 87% |
Growth
Total assets grew 0.4% a year over the last 5 years and 4.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2009 | Central Bank Central City, NE | $21M |
| Dec 2009 | Citizens Bank in Loup City Loup City, NE, an affiliate under the same holding company | $25M |
Where they operate
3 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Howard County, NE | $98M | 57.0% | 1 of 4 |
| Sherman County, NE | $53M | 39.6% | 1 of 4 |
| Merrick County, NE | $49M | 16.8% | 3 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No change since 2016. The bank has operated 3 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Agricultural | 34% | 23% | |
| Farmland | 31% | 21% | |
| 1-4 family residential | 14% | 16% | |
| Business (C&I) | 10% | 11% | |
| Construction and land | 5% | 7% | |
| Commercial real estate | 2% | 17% | |
| Multifamily | 2% | 3% | |
| Consumer | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Noninterest-bearing | 40% | 17% | |
| Other interest-bearing | 38% | 47% | |
| Time deposits | 22% | 37% |
Brokered deposits are 17.1% of deposits (peers 4.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.42% | 0.20% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 0.86% | 1.27% |
| Leverage ratio | 11.45% | 11.19% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Howard County, NE
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/citizens-bank-trust-saint-paul-ne