Institution profile

Citizens Bank & Trust Company (Saint Paul, NE)

Bank · Active · Headquarters: Saint Paul, NE

Profile data observed August 5, 2026

Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name: Citizens Bank & Trust Company
Display name: Citizens Bank & Trust Company (Saint Paul, NE)
Institution status: Active
FDIC insured: Yes
FDIC insured since: January 1, 1934
Established date: January 1, 1888
Charter class: State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
Primary federal regulator: Federal Deposit Insurance Corporation
Headquarters: Saint Paul, NE, 68873, United States
Website: https://www.bankwithcitizens.com
FDIC certificate number: 5469
Federal Reserve RSSD ID: 925055
Domestic location count: 3
Source observed: August 5, 2026

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status: ACTIVE
Primary federal regulator: FDIC
Institution type: Non-member Bank
Primary activity: NAICS 52211
FDIC certificate: 5469
Federal Reserve RSSD ID: 925055
LEI: 5493004RS1R8ZQ6J8543
Headquarters: 721 7th Street, Saint Paul, NE, 68873, United States
Primary deposit insurer: Deposit Insurance Fund (DIF)
Source observed: August 19, 2026

Branch network

Listed locations

Showing 1 through 2 of 2 listed locations

StateCity or branch

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Showing 1 through 2 of 2 FFIEC NIC branch locations
Branch	Address	City	State	Postal code
CENTRAL BANK BRANCH	1634 16th Street	Central City	NE	68826
LOUP CITY BRANCH	650 P Street	Loup City	NE	68853

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating: Satisfactory
Exam date: January 1, 2026
Regulator: FDIC
Examination method: Small Bank

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

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Historical CRA evaluations
Exam date	CRA rating	Regulator	Examination method
January 1, 2026	Satisfactory	FDIC	Small Bank
March 1, 2020	Satisfactory	FDIC	Small Bank
March 1, 2014	Satisfactory	FDIC	Small Bank
January 5, 2009	Satisfactory	FDIC	Small Bank
December 1, 2003	Satisfactory	FDIC	Small Bank
December 1, 1997	Outstanding	FDIC	Small Bank
April 1, 1995	Satisfactory	FDIC	Not Reported
August 1, 1993	Satisfactory	FDIC	Not Reported
August 1, 1991	Satisfactory	FDIC	Not Reported

Read the methodology

Institutional history

2 FFIEC NIC history events

Showing 1 through 2 of 2 history events

FFIEC NIC institutional history events
Event date	Event type	Related institution
December 1, 2009	Charter Discontinued (Merger or Purchase & Assumption)	—
December 1, 2009	Charter Discontinued (Merger or Purchase & Assumption)	—

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC-reported organizational relationships

1 FFIEC NIC relationship record

Showing 1 of 1 relationship records

FFIEC NIC organizational relationships
Relationship	Institution	Type	Location
ROOT_INSTITUTION	CITIZENS BANK & TRUST COMPANY	Non-member Bank	Saint Paul, NE

These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type: FDIC-insured state-chartered nonmember bank