Citizens Bank, National Association

Headquarters

200 South Main Street
Fort Scott, KS 66701
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Citizens Bank, National Association is an FDIC insured institution located in Fort Scott, KS. It was founded in 1884 and has approximately $0.26 billion in assets.

FDIC Insured Yes
FDIC Certificate # 4667
Date Established 1884
Assets $ 260.99 million
Loans $ 110.66 million
Deposits $ 179.36 million
Capital $ 28.11 million
 

For a more detailed analysis of Citizens Bank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 29, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - November 29, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Citizens Bank, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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2.687% 2.625% 0.63 $2,015 $1,005 Learn More
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License#: 13256
2.557% 2.500% 0.75 $1,880 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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People's United Bank, N.A.
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Note to Citizens Bank, National Association
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Branches

Citizens Bank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Citizens Bank, National Association Locations


Financial Details

Citizens Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens Bank, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citizens Bank, National Association U.S. Bank Average
30.54% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Citizens Bank, National Association had $8,456,000 in non-current loans and $967,000 in owned real estate. To cover these potential losses it had $28,107,000 in equity and $2,752,000 in loans loss reserves. That gives it a Texas Ratio of 30.54%.

Return on Equity
Citizens Bank, National Association U.S. Bank Average
7.87% 7.80%

Citizens Bank, National Association has a Return on Equity of 7.87% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Citizens Bank, National Association U.S. Bank Average
10.77% 12.68%

Citizens Bank, National Association has a Capitalization of 10.77% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citizens Bank, National Association Balance Sheet Analysis

As of September 30, 2013, Citizens Bank, National Association had assets of $260,991,000, loans of $110,660,000, and deposits of $179,358,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 110.66 million
Loan loss allowance $ 2.75 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.97 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 179.36 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 260.99 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Citizens Bank, National Association’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Kansas, Citizens Bank, National Association has a significantly higher percent of Multifamily Mortgages, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 34.27
Multifamily
Mortgages
11.81
Credit Card Loans 0.00
Consumer Auto Loans 1.59
Small Business Loans 8.16
Construction and Development Loans 1.06
Commercial Real Estate 16.45
Commercial and Industrial Loans 7.13
Farm Loans 7.96

Frequently Asked Questions About Citizens Bank, National Association

Branches and Savings

Is Citizens Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #4667.

Why does Citizens Bank, National Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Citizens Bank, National Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Citizens Bank, National Association a commercial bank?

Yes

Where are Citizens Bank, National Association locations?

See branch locations nearby.

Is Citizens Bank, National Association open on Saturdays?

Is Citizens Bank, National Association open on Sundays?

What time does Citizens Bank, National Association open?

What time does Citizens Bank, National Association close?

Are Citizens Bank, National Association ATMs Open 24/7?

Do Citizens Bank, National Association ATMs accept cash deposits?

Can Citizens Bank, National Association customers use other ATMs?

Do Citizens Bank, National Association branches have notaries?

Will Citizens Bank, National Association notarize my document?

What address for Citizens Bank, National Association should I put for incoming ACH transfers?

Will the Citizens Bank, National Association branch print checks?

Do Citizens Bank, National Association checks expire?

Does Citizens Bank, National Association require US citizenship to open account?

Can Citizens Bank, National Association close my account?

Does Citizens Bank, National Association Report to credit bureaus?

Does Citizens Bank, National Association Use Equifax?

What is Citizens Bank, National Association's ACH Routing Number?

What is Citizens Bank, National Association's SWIFT code?

Products

Does Citizens Bank, National Association offer mortgages?

Compare mortgage rates here.

Does Citizens Bank, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Citizens Bank, National Association offer student loans?

Will Citizens Bank, National Association cash a check?

Will Citizens Bank, National Association redeem a savings bond?

Does Citizens Bank, National Association cash savings bonds?

Will Citizens Bank, National Association cash money orders?

Can Citizens Bank, National Association issue a money order?

Does Citizens Bank, National Association do currency exchange?

Background on The Bank

Who owns Citizens Bank, National Association?

How long has Citizens Bank, National Association been around?

Can Citizens Bank, National Association transfer to other banks?

Does Citizens Bank, National Association have quick pay?

Does Citizens Bank, National Association accept rolled coins?

Will Citizens Bank, National Association accept loose change?

Where is Citizens Bank, National Association headquarters?

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