Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
26th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 7, 2026
Call-report figures are for Citizens Bank & Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Citizens Bank & Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 7, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.2% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (26th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $19K in Q2 2026, 9.5% below the same quarter a year earlier ($21K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Citizens Bank & Trust Company (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $19K | −$2K | −9.5% |
| Q1 2026 | $21K | +$1K | +5.0% |
| Q4 2025 | $20K | $0 | 0.0% |
| Q3 2025 | $20K | −$1K | −4.8% |
| Q2 2025 | $21K | +$3K | +16.7% |
| Q1 2025 | $18K | +$1K | +5.9% |
| Q4 2024 | $17K | $0 | 0.0% |
| Q3 2024 | $17K | −$1K | −5.6% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Citizens Bank & Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Citizens Bank & Trust Company by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Maintenance Charge (audience not stated, treated as personal) | $12Not compared: Annual charge, not monthly | per year | None |
| Maintenance Charge/Fee (audience not stated, treated as personal) | $2 | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $3Not compared: Annual charge, not monthly | per year | None |
| Health Savings Account minimum daily balance fee (audience not stated, treated as personal) | $3 | per month | None |
Other feesUnder review | |||
| 12 Month CD (audience not stated, treated as personal) | $500 | Not stated | None |
| 182 Day CD (audience not stated, treated as personal) | $1,000 | Not stated | None |
| 24 Month CD (audience not stated, treated as personal) | $500 | Not stated | None |
| 36 Month CD (audience not stated, treated as personal) | $500 | Not stated | None |
| 48 Month CD (audience not stated, treated as personal) | $500 | Not stated | None |
| 91 Day CD (audience not stated, treated as personal) | $1,000 | Not stated | None |
| Fee (audience not stated, treated as personal) | $3 | per item | None |
| Health Savings Account minimum daily balance fee (audience not stated, treated as personal) | $3 | per month | None |
| Maintenance Charge (Citizens Plus Savings) (audience not stated, treated as personal) | $20 | per month | None |
| Maintenance Charge (IRA) (audience not stated, treated as personal) | $12 | per year | None |
| Maintenance Charge (Market Rate Savings) (audience not stated, treated as personal) | $10 | per month | None |
| Maintenance Charge (Regular Savings) (audience not stated, treated as personal) | $3 | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 7, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Citizens Bank & Trust Company operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $127.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $127.2M |
Largest competitors nearby
Local market: Sweet Grass and Wheatland counties, MT, where it holds the most deposits.
| 3 in its local market | Deposit share |
|---|---|
| Opportunity Bank of Montana | 27.1% |
| American Bank | 14.9% |
| Tricounty Federal Credit Union | Credit union |
This bank holds 58% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows