Citizens Bank & Trust Company: how it compares with its peers
Against 20 MT banks with half to twice its assets, Citizens Bank & Trust Company's strongest measure in Q2 2026 is efficiency ratio (51.03% vs. a 56.53% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $6.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.43% | 1.47% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.17% | 4.43% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.03% | 56.53% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.9M | Bottom third Ahead of 20% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.22% | 68.82% | Context |
What it means for lending operations
Its efficiency ratio of 51.03% is better than the 56.53% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Freedom Bank Columbia Falls, MT · $157M
- The Bank of Baker Baker, MT · $161M
- First State Bank of Forsyth Forsyth, MT · $166M
- The First State Bank of Shelby Shelby, MT · $176M
- Pioneer State Bank Deer Lodge, MT · $134M
- Eagle Bank Polson, MT · $180M
Questions about Citizens Bank & Trust Company
How big is Citizens Bank & Trust Company?
Citizens Bank & Trust Company, established in 1927, is headquartered in Big Timber, MT. It reported $155M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Citizens Bank & Trust Company's return on assets?
1.43% annualized in Q2 2026, against a 1.47% median for 20 MT banks with half to twice its assets, ahead of 50% of them.
What is Citizens Bank & Trust Company's efficiency ratio?
51.03% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 56.53%, and lower is better.
Is Citizens Bank & Trust Company growing its loans?
Net loans grew 17.5% over the year to Q2 2026, while deposits grew 8.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MT banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Montana bank ranked.