Banks | Citizens Bank & Trust Company of Saint Paul

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Citizens Bank & Trust Company of Saint Paul

Citizens Bank & Trust Company of Saint Paul is an FDIC insured institution headquartered at 721 7th St, Saint Paul, NE 68873.
It was founded in 1888 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - May 05, 2026

SAVINGS RATES	APY	MIN
Savings	0.20%	$50	Compare

CD RATES	APY	MIN
6 Mo CD	0.55%	$1,000	Compare
6 Mo CD	0.55%	$25,000	Compare
12 Mo CD	0.70%	$1,000	Compare
12 Mo CD	0.70%	$25,000	Compare
18 Mo CD	0.80%	$1,000	Compare
18 Mo CD	0.80%	$25,000	Compare
24 Mo CD	0.85%	$1,000	Compare
24 Mo CD	0.85%	$25,000	Compare
36 Mo CD	0.95%	$1,000	Compare
36 Mo CD	0.95%	$25,000	Compare
48 Mo CD	1.05%	$1,000	Compare
48 Mo CD	1.05%	$25,000	Compare
60 Mo CD	1.20%	$1,000	Compare
60 Mo CD	1.20%	$25,000	Compare

MM RATES	APY	MIN
Money Market	0.20%	$1,000	Compare
Money Market	0.30%	$10,000	Compare
Money Market	0.40%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.15%	$500

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2026-05-05
Equal Housing Lender

Tap into your home's equity & access the funds you need with a HELOC

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K*
Access cash when you need it

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22

Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months

$25,000

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Reliant Home Funding, Inc.
NMLS ID: 292473

6.104%

$1,917 Fees & Points $3,928 Total
0.604 Pts ($1,933)
$1,995 Fees

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding

PenFed Credit Union
NMLS ID: 401822

6.391%

$1,971 Fees & Points $4,795 Total
0.875 Pts ($2,800)
$1,995 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 5469
Date Established	1888
Assets	$ 251.71 million
Loans	$ 157.19 million
Deposits	$ 194.54 million
Capital	$ 23.10 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 6.23 million
Interest-bearing balances	$ 4.81 million
Total securities	$ 72.09 million
Federal funds sold and reverse repurchase	$ 6.55 million
Net loans and leases	$ 157.19 million
Loan loss allowance	$ 1.39 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	N.A.
All other assets	$ 4.70 million
Total Assets	$ 228.61 million

LIABILITIES
Total deposits	$ 194.54 million
Interest-bearing deposits	$ 119.05 million
Deposits held in domestic offices	$ 194.54 million
% insured (estimated)"	93.34%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 10.11 million
Subordinated debt	N.A.
All other liabilities	$ 2.81 millionn
Total Liabilities	$ 228.61 million
Shareholders’ Equity	$ 23.10 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 12.62 million
Total Interest Expense	$ 5.36 million
Net interest income	$ 7.26 million
Provision for loan and lease losses	$ 0.00 million
Total non interest income	$ 0.40 million
Total non interest expense	$ 5.37 million
Pre-tax Net Operating Income	$ 1.37 million

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