Citizens Bank&Trust Co (FDIC #5469): Bank Stress & Real-Estate Credit Exposure
Citizens Bank&Trust Co (FDIC Cert #5469): bank stress 74/100, elevated, STABLE over 7 days; parent HOWARD COUNTY LAND&CATTLE CO.
Citizens Bank&Trust Co (#5469) lends in 3 counties across 1 state; Citizens Bank&Trust Co (#5469) reaches 25 ZIP codes: Nebraska 3 counties, 25 ZIPs.
Citizens Bank&Trust Co (#5469) largest markets: Howard County, NE (11 branches, 11 ZIPs) (#5469), Merrick County, NE (9 branches, 9 ZIPs) (#5469), Sherman County, NE (8 branches, 8 ZIPs) (#5469).
Citizens Bank&Trust Co (#5469) reports $242.3 million in total assets; Citizens Bank&Trust Co (#5469) equity $23.3 million (9.6% of Citizens Bank&Trust Co (#5469) assets); Citizens Bank&Trust Co (#5469) domestic deposits $199.8 million; Citizens Bank&Trust Co (#5469) net income $1.1 million; Citizens Bank&Trust Co (#5469) return on assets 0.89%; Citizens Bank&Trust Co (#5469) return on equity 9.32%; Citizens Bank&Trust Co (#5469) net interest income $3.9 million; Citizens Bank&Trust Co (#5469) call report June 30, 2026.
Citizens Bank&Trust Co (#5469) noncurrent real-estate loans: none reported; Citizens Bank&Trust Co (#5469) net charge-offs on real estate 3.33%.
Citizens Bank&Trust Co (#5469) net interest margin 3.32% against an eight-quarter Citizens Bank&Trust Co (#5469) average of 2.98% (Citizens Bank&Trust Co (#5469) compression -0.34 points); Citizens Bank&Trust Co (#5469) rate-exposure score 40/100, Citizens Bank&Trust Co (#5469) fixed-rate trap 40/100; Citizens Bank&Trust Co (#5469) risk type credit driven; Citizens Bank&Trust Co (#5469) rate regime rates elevated, Citizens Bank&Trust Co (#5469) snapshot October 19, 2026.
Citizens Bank&Trust Co (#5469) stress score moved from 70.6 on June 22, 2026 to 74 on October 20, 2026; Citizens Bank&Trust Co (#5469) ranged 70.6 to 74 over 117 snapshots.
Citizens Bank&Trust Co (#5469) alerts: 3 counties; top Citizens Bank&Trust Co (#5469) alert scores: Central City County, NE 24 (low); Loup City County, NE 24 (low); Saint Paul County, NE 24 (low).