HOWARD COUNTY LAND&CATTLE CO is the parent banking group. CITIZENS BANK & TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

HOWARD COUNTY LAND&CATTLE CO

Legal name: HOWARD COUNTY LAND AND CATTLE CO.

1 active bank · $233M combined assets

RSSD ID: 1051401 (FFIEC NIC)

Combined Assets

$233M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCITIZENS BANK & TRUST COMPANYSAINT PAUL, NESatisfactory$233MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$233M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$195M

Net Income

$558K

ROA (avg)

0.92%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CITIZENS BANK & TRUST COMPANY	SAINT PAUL, NE	FDIC	$233M	100.0%	Satisfactory	Jan 2026

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.