Citizens Bank and Trust Company (MO)

Overview / Commentary
7553 Nw Barry Rd.
Kansas City, MO 64153

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.

Reviews (1)

Greatest bank I've ever used!

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.


Health Grade Components

FDIC Certificate #4533
Year Established1889
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD7.18%
Annual Interest Income$25.4MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$976.5MM$984.0MM
LoansQ4 2021vs Q4 2020$465.3MM$536.4MM
DepositsQ4 2021vs Q4 2020$843.9MM$846.7MM
Equity CapitalQ4 2021vs Q4 2020$98.9MM$105.8MM
Loan Loss AllowanceQ4 2021vs Q4 2020$6.3MM$9.1MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$6.5MM$9.5MM
Real Estate OwnedQ4 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.

Citizens Bank and Trust Company (MO) Savings Account Rates

0.35%$25-Student Savings
0.35%*-$10kSave Smart Savings
OTHER TIERS: 0.15% $10k+
0.35%*-$10kDollar Dog Kids Club
OTHER TIERS: 0.15% $10k+
0.10%$100-Statement Savings
0.05%--Health Savings Account

Citizens Bank and Trust Company (MO) Money Market Rates

0.18%*$250k*-Citizens Money Market Account
OTHER TIERS: 0.05% Up to $50k | 0.07% $50k - $100k | 0.12% $100k - $250k

Citizens Bank and Trust Company (MO) Checking Account Rates

0.10%*$250k*-Elite Checking
OTHER TIERS: 0.05% Up to $250k
0.05%--VIP Interest Checking
0.05%--50+ Interest Checking

Citizens Bank and Trust Company (MO) CD Rates

0.55%$500-60 Month CD
0.45%$500-48 Month CD
0.40%$500-36 Month CD
0.30%$500-24 Month CD
0.25%$500-18 Month CD
0.20%$500-12 Month CD
0.10%$500-6 Month CD
0.10%$500-3 Month CD
0.05%$500-14 Day Promotional CD

Citizens Bank and Trust Company (MO) IRA Rates

0.40%$250-24 Month Variable IRA


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