Citizens Bank and Trust Company (MO) is headquartered in Kansas City and is the 26th largest bank in the state of Missouri. It is also the 996th largest bank in the nation. It was established in 1889 and as of December of 2021, it had grown to 180 employees at 17 locations. Citizens Bank and Trust Company (MO) has a B health rating.
When I had signed up for my account, they asked me if I wanted overage protection. I had stated no because I never wanted to have to have an overdraft as it was. Well, once I accidentally had an over draft. I did not know this for about a week as I was rarely using my debit card when this happened. I called my bank and asked what was wrong with my account, I had tried to use my debit card and it kept getting rejected. She had explained I had had an over draft, I was shocked as it was due to a bill I did not realize was coming out. She was very nice and not judging at all. I quickly got my problem resolved and I thanked her for her help. I would definitely tell other people to use this bank as their own. I have never once had an issue there.
Overall | |
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FDIC Certificate # | 4533 |
Year Established | 1889 |
Employees | 180 |
Primary Regulator | FDIC |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.73% |
Return on Equity - YTD | 7.18% |
Annual Interest Income | $25.4MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q4 2021vs Q4 2020 | $976.5MM$984.0MM |
Loans | Q4 2021vs Q4 2020 | $465.3MM$536.4MM |
Deposits | Q4 2021vs Q4 2020 | $843.9MM$846.7MM |
Equity Capital | Q4 2021vs Q4 2020 | $98.9MM$105.8MM |
Loan Loss Allowance | Q4 2021vs Q4 2020 | $6.3MM$9.1MM |
Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $6.5MM$9.5MM |
Real Estate Owned | Q4 2021vs Q4 2020 | $7.4MM$6.9MM |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.18%* | $250k* | - | Citizens Money Market Account | ||
OTHER TIERS: 0.05% → Up to $50k | 0.07% → $50k - $100k | 0.12% → $100k - $250k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.10%* | $250k* | - | Elite Checking | ||
OTHER TIERS: 0.05% → Up to $250k | |||||
0.05% | - | - | VIP Interest Checking | ||
0.05% | - | - | 50+ Interest Checking |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
0.40% | $250 | - | 24 Month Variable IRA |