Citizens Bank & Trust Company is a bank based in Big Timber, Montana, established in 1927, with $158 million in total assets across 2 branches. By Trust Grade it ranks 6th of 36 banks we track in Montana. Its capital ratio of 10.0% trails most similarly sized banks (47th percentile), versus a Montana median of 10%. It was profitable over the most recent period, with a 1.32% return on assets. No consumer complaints against Citizens Bank & Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens Bank & Trust Company compares to Montana peers
How we graded Citizens Bank & Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.0% capital ratio)
- Strongly profitable (ROA 1.32%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens Bank & Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 130 Mcleod St, Big Timber, MT 59011
- 32 Central Ave N, Harlowton, MT 59036
Are deposits at Citizens Bank & Trust Company insured?
Yes. Citizens Bank & Trust Company is an FDIC-insured bank (FDIC certificate #1972). 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 Company: frequently asked questions
Is Citizens Bank & Trust Company a good bank?
Citizens Bank & Trust Company 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 (10.0% capital ratio); Strongly profitable (ROA 1.32%).
Is Citizens Bank & Trust Company FDIC-insured?
Yes. Citizens Bank & Trust Company is a FDIC-insured bank (FDIC certificate #1972). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens Bank & Trust Company?
Citizens Bank & Trust Company holds $158 million in total assets, ranking 6th of 36 banks we track in Montana. It operates 2 branches.
Does Citizens Bank & Trust Company have CFPB complaints?
No CFPB complaints against Citizens Bank & Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
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.
