Citizens' Bank & Trust Co.: how it compares with its peers
Against 31 AR banks with half to twice its assets, Citizens' Bank & Trust Co.'s strongest measure in Q2 2026 is efficiency ratio (47.69% vs. a 62.38% peer median). Its weakest relative measure is net interest margin (3.88% vs. 4.06%).
| Measure | Citizens' Bank & Trust Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.55% | 1.19% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.88% | 4.06% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.69% | 62.38% | Top third Ahead of 90% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $6.2M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.84% | 83.15% | Context |
What it means for lending operations
Its efficiency ratio of 47.69% is better than the 62.38% 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
- Fidelity Bank West Memphis, AR · $547M
- First National Bank of Eastern Arkansas Forrest City, AR · $589M
- Cross Bank Wynne, AR · $593M
- First State Bank of DeQueen De Queen, AR · $525M
- Armor Bank Forrest City, AR · $517M
- Eagle Bank and Trust Company Little Rock, AR · $506M
Questions about Citizens' Bank & Trust Co.
How big is Citizens' Bank & Trust Co.?
Citizens' Bank & Trust Co., established in 1886, is headquartered in Van Buren, AR. It reported $566M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Citizens' Bank & Trust Co.'s return on assets?
1.55% annualized in Q2 2026, against a 1.19% median for 31 AR banks with half to twice its assets, ahead of 74% of them.
What is Citizens' Bank & Trust Co.'s efficiency ratio?
47.69% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 62.38%, and lower is better.
Is Citizens' Bank & Trust Co. growing its loans?
Net loans shrank 1.3% over the year to Q2 2026, while deposits grew 4.3%.
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 AR 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 Arkansas bank ranked.