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Citizens' Bank & Trust Co.

Van Buren, AR · Est. 1886 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Citizens' Bank & Trust Co. is a bank based in Van Buren, Arkansas, established in 1886, with $563 million in total assets across 9 branches. By Trust Grade it ranks 37th of 78 banks we track in Arkansas. Its capital ratio of 11.0% is stronger than 63% of similarly sized banks, versus a Arkansas median of 10.7%. It was profitable over the most recent period, with a 1.53% return on assets. No consumer complaints against Citizens' Bank & Trust Co. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$563.0M
$100M–1B institution
Deposits
$498.4M
Branches
9
Capital ratio
11.0%
Top 37% of $100M–1B peers · Arkansas median 10.7%
Return on assets
1.5%
Top 30% of $100M–1B peers · Arkansas median 1.24%
Rank in Arkansas
#37
of 78 banks

How Citizens' Bank & Trust Co. compares to Arkansas peers

Capital ratio
Top 37% of $100M–1B peers
Citizens' Bank
11.0%
Arkansas median
10.7%
Higher capital ratio = stronger financial cushion
Return on assets
Top 30% of $100M–1B peers
Citizens' Bank
1.5%
Arkansas median
1.2%
Higher ROA = more profitable relative to asset base

How we graded Citizens' Bank & Trust Co.

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (11.0% capital ratio)
  • Strongly profitable (ROA 1.53%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Citizens' Bank & Trust Co. over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (9)

  • 617 Broadway St, Van Buren, AR 72956
  • 124 Highway 71 Nw, Mountainburg, AR 72946
  • 1519 Fayetteville Rd, Van Buren, AR 72956
  • 4 Northridge Dr, Van Buren, AR 72956
  • 200 Highway 71 N, Alma, AR 72921
  • 3110 Alma Hwy, Van Buren, AR 72956
  • 3110 Alma Hwy, Van Buren, AR 72956
  • 8828 Hwy 59 North, Cedarville, AR 72932
  • 120 North Main Street, Mulberry, AR 72947

Are deposits at Citizens' Bank & Trust Co. insured?

Yes. Citizens' Bank & Trust Co. is an FDIC-insured bank (FDIC certificate #8738). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Citizens' Bank & Trust Co.: frequently asked questions

Is Citizens' Bank & Trust Co. a good bank?

Citizens' Bank & Trust Co. earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.0% capital ratio); Strongly profitable (ROA 1.53%).

Is Citizens' Bank & Trust Co. FDIC-insured?

Yes. Citizens' Bank & Trust Co. is a FDIC-insured bank (FDIC certificate #8738). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Citizens' Bank & Trust Co.?

Citizens' Bank & Trust Co. holds $563 million in total assets, ranking 37th of 78 banks we track in Arkansas. It operates 9 branches.

Does Citizens' Bank & Trust Co. have CFPB complaints?

No CFPB complaints against Citizens' Bank & Trust Co. appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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