Citizens Bank & Trust


Citizens Bank & Trust is an FDIC insured institution headquartered at 101 N Main St, Rock Port, MO 64482.
It was founded in 1902 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - July 27, 2025

SAVINGS RATES APY MIN
Savings
0.15% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.25% $10,000 Compare
6 Mo CD
0.25% $100,000 Compare
12 Mo CD
0.30% $10,000 Compare
12 Mo CD
0.45% $100,000 Compare
18 Mo CD
0.40% $10,000 Compare
18 Mo CD
0.55% $100,000 Compare
24 Mo CD
0.45% $10,000 Compare
24 Mo CD
0.60% $100,000 Compare
30 Mo CD
0.50% $10,000 Compare
30 Mo CD
0.65% $100,000 Compare
36 Mo CD
0.55% $10,000 Compare
36 Mo CD
0.70% $100,000 Compare
48 Mo CD
0.70% $10,000 Compare
48 Mo CD
0.85% $100,000 Compare
60 Mo CD
0.90% $10,000 Compare
60 Mo CD
1.05% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.15% $10,000 Compare
Money Market
0.20% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14293
Date Established 1902
Assets $ 109.95 million
Loans $ 49.36 million
Deposits $ 97.36 million
Capital $ 10.25 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 10.28 million
Interest-bearing balances $ 8.95 million
Total securities $ 47.60 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 49.36 million
Loan loss allowance $ 0.57 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.05 million
All other assets $ 1.49 million
     Total Assets $ 99.70 million

LIABILITIES
Total deposits $ 97.36 million
      Interest-bearing deposits $ 73.50 million
      Deposits held in domestic offices $ 97.36 million
      % insured (estimated)" 74.17%
Federal funds purchased and repurchase agreements $ 2.03 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.13 millionn
      Total Liabilities $ 99.70 million
      Shareholders’ Equity $ 10.25 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 1.17 million
Total Interest Expense $ 0.32 million
Net interest income $ 0.86 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.09 million
Total non interest expense $ 0.68 million
Pre-tax Net Operating Income $ 0.39 million

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Branches

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Citizens Bank & Trust Locations