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BDI
CB

Citizens Bank & Trust Company

Big Timber, MontanaFDIC Cert #1972

STATEEstablished 19272 branches

Holding company: CBT CORP INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$14.4M
Investor CRE$11.6M
Multifamily$0
Construction$5.69M
1–4 family$19.4M
C&I$8.19M
Agriculture$27.3M
Other$4.06M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$90.7M
+17.0%y/y
Percentile by value32nd percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSGR
Net loans
$88.7M
+16.9%y/y
Percentile by value32nd percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET
Loans YoY
+16.88%
+34.7%y/y
Percentile by value89th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET
L/D
67.9%
+5.6%y/y
Percentile by value38th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET + DEP
Loans/assets
56.0%
+9.4%y/y
Percentile by value33rd percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET + ASSET
RE loans %
80.38%
+3.1%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
110%
−14.5%y/y
Percentile by value55th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
36%
−22.1%y/y
Percentile by value62nd percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
1,515points
−0.3%y/y
Peer standing95th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
15.93%
+97.9%y/y
Percentile by value77th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNRENROW + LNLSGR
Investor CRE %
12.76%
−18.9%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNRENROT + LNLSGR
C&I %
9.03%
+10.6%y/y
Percentile by value44th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNCI + LNLSGR