BlastPoint's Banking Scorecard
Citizens Bank & Trust Company
Micro
Specialty: Agricultural
MT
FDIC cert 1972
Designations: ✓ Community bank
Big Timber, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Citizens Bank & Trust Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.48% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.80% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$163.0M
+7.8% YoY
+3.1% QoQ
|
-$54.5M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$86.0M
+14.5% YoY
+1.5% QoQ
|
-$53.1M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$129.2M
+7.1% YoY
+7.8% QoQ
|
-$54.5M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.17%
+17.5% YoY
-21.0% QoQ
|
+0.08% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
4.14%
+11.7% YoY
+2.8% QoQ
|
+0.29% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
57.93%
-7.2% YoY
+12.0% QoQ
|
-9.80% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
2.44%
+17.5% QoQ
|
+1.80% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
66.59%
+6.9% YoY
-5.8% QoQ
|
-7.93% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
39.88%
+0.6% YoY
-2.7% QoQ
|
+17.48% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
1.29%
+15.7% QoQ
|
+0.84% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
16.10%
-2.1% YoY
+0.3% QoQ
|
+7.25% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.32%
+8.2% YoY
+26.0% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
39.88%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Delinquency Rate
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.44%
(Tier avg: 0.64%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.88% · Tier avg: 22.39%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.10% · Tier avg: 8.85%
73
73th pctile
Efficiency Ratio
Current: 57.93% · Tier avg: 67.73%
67
67th pctile
Loan-to-Deposit Ratio
Current: 66.59% · Tier avg: 74.53%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
41
41th pctile
Total Assets
Current: $163.0M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $129.2M · Tier avg: $183.7M
37
37th pctile
Total Loans
Current: $86.0M · Tier avg: $139.2M
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.44% · Tier avg: 0.64%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 2.44% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.45%
37
37th pctile
Total Loans
Current: $86.0M · Tier avg: $139.2M
39
39th pctile
Total Deposits
Current: $129.2M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $163.0M · Tier avg: $217.5M
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
67
67th pctile
Loan-to-Deposit Ratio
Current: 66.59% · Tier avg: 74.53%
73
73th pctile
Efficiency Ratio
Current: 57.93% · Tier avg: 67.73%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.10% · Tier avg: 8.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.88% · Tier avg: 22.39%