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 27th largest bank in the state of Missouri. It is also the 979th largest bank in the nation. It was established in 1889 and as of June of 2022, it had grown to 179 employees at 15 locations. Citizens Bank and Trust Company (MO)'s money market rates are 70% higher than the national average, and it 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 - YTD0.53%
Return on Equity - YTD5.64%
Annual Interest Income$12.4MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$998.8MM$999.6MM
LoansQ2 2022vs Q2 2021$465.0MM$528.7MM
DepositsQ2 2022vs Q2 2021$879.8MM$866.1MM
Equity CapitalQ2 2022vs Q2 2021$89.4MM$98.2MM
Loan Loss AllowanceQ2 2022vs Q2 2021$6.4MM$8.0MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$6.4MM$8.3MM
Real Estate OwnedQ2 2022vs Q2 2021$6.4MM$7.7MM
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Always verify rates and promotions with the bank or credit union. We are not Citizens Bank and Trust Company (MO); we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.75%*$250k*-Citizens Money Market Account
OTHER TIERS: 0.05% Up to $10k | 0.07% $10k - $50k | 0.10% $50k - $100k | 0.50% $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

3.09%$500-15 Month Promotional CD
2.57%$500-11 Month Promotional CD
2.07%$500-7 Month Promotional CD
2.04%$500-60 Month CD
2.02%$500-24 Month CD
2.02%$500-36 Month CD
2.02%$500-48 Month CD
1.76%$500-18 Month CD
1.51%$500-12 Month CD
1.00%$500-6 Month CD
0.75%$500-3 Month CD
0.05%$500-14 Day Promotional CD

Citizens Bank and Trust Company (MO) IRA Rates

1.00%$250-24 Month Variable IRA


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