Bank · FDIC insured
Citizens Bank & Trust
A $242.3M bank headquartered in St. Paul, NE, with 3 branches in Nebraska. Best rates: CDs 3.81% and savings 0.15% APY.
Citizens Bank & Trust Carrot Score
63
Carrot Score
Higher than 10% of U.S. banks and credit unions
#13 of 14 in Grand Island, NE metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank & Trust
Citizens Bank & Trust Company was founded in 1888 in St. Paul, Nebraska, where it remains headquartered today.
The bank operates three branch locations, providing agricultural, commercial, consumer, and real estate lending alongside digital and personal banking services.
In 2009, the bank expanded by merging with its sister institution Citizens State Bank and acquiring Central Bank.
- Headquarters
- 721 7th St, St. Paul, NE 68873
- FDIC certificate
- 5469 ↗
Branches
3 branches in Nebraska
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Nebraska
3 branches
Grand Island area · 2
- Citizens Bank & Trust CompanyMain office721 7th St, St. Paul, NE 68873Directions
- Central Bank Branch1634 16th St, Central City, NE 68826Directions
Loup City area · 1
- Citizens Bank In Loup City Branch650 P St, Loup City, NE 68853Directions
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 | 11.45% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.42% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.89% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $81 | $81 | — |
- CapitalLeverage ratio11.45%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.42%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.89%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$81Peers’ 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 are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.