Bank · FDIC insured
Citizens Bank & Trust Co.
A $329M bank headquartered in Hutchinson, MN, with 3 branches in Minnesota. Best rates: CDs 4.06% and savings 0.30% APY.
Citizens Bank & Trust Co. Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#3 of 5 in Hutchinson, MN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank & Trust Co.
Citizens Bank & Trust Co. is a bank headquartered in Hutchinson, Minnesota, founded in 1886.
The bank has occupied the same location in the community since 1892.
- Headquarters
- 102 Main St S, Hutchinson, MN 55350
- FDIC certificate
- 10218 ↗
Branches
3 branches in Minnesota
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Minnesota
3 branches
- Citizens Bank & Trust Co.Main office102 Main St S, Hutchinson, MN 55350Directions
- Drive-In Branch133 Franklin St Nw, Hutchinson, MN 55350Directions
- South Office1390 Highway 15 S, Hutchinson, MN 55350Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.63% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.26% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.21% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $56 | $81 | — |
- CapitalLeverage ratio8.63%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.26%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.21%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$56Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Bank & Trust Co. are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.