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Bank, Hutchinson, MN
Citizens Bank & Trust Co., Hutchinson, MN
A bank based in Hutchinson, MN. Its commercial book is led by C&I and owner-occupied CRE. Public files show recent SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $84.2M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 27
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $329M
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 320-587-2233 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.cbhutch.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- cbhutch.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- Citizens Bank & Trust CoFDIC institution record,
- Address
- 102 Main St S, Hutchinson, MN 55350FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
What changed. Citizens Bank & Trust Co.'s C&I balance rose 13.2% to $36M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 24 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 15.6% to $36M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 2.3% to $30.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 3.8% to $8.6M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jul 2026 | Minnesota | SBA 7(a), Meat Retailers | $190K | 7.25% | 7 yr | SBA FOIA | |
| Feb 2026 | Minnesota | SBA 7(a), Full-Service Restaurants | $25K | 7.25% | 7 yr | SBA FOIA | |
| Feb 2026 | Minnesota | SBA 7(a), Solid Waste Collection | $17K | 8.5% | 5 yr | SBA FOIA | |
| Sep 2025 | Minnesota | SBA 7(a), Information | $80K | 8% | 7 yr | SBA FOIA | |
| Aug 2025 | Minnesota | SBA 7(a), Clothing and Clothing Accessories Retailers | $30K | 8.5% | 10 yr | SBA FOIA | |
| Jul 2025 | Minnesota | SBA 504, Plumbing, Heating, and Air-Conditioning Contractors | $390K | 25 yr | SBA FOIA | ||
| May 2025 | Minnesota | SBA 7(a), Mobile Food Services | $50K | 8.5% | 7 yr | SBA FOIA | |
| May 2025 | Minnesota | SBA 7(a), Finish Carpentry Contractors | $20K | 9.75% | 3 yr | SBA FOIA | |
| Apr 2025 | Minnesota | SBA 7(a), Solid Waste Collection | $90K | 9.25% | 6 yr | SBA FOIA | |
| Apr 2025 | Minnesota | SBA 7(a), Gift, Novelty, and Souvenir Retailers | $21K | 10% | 5 yr | SBA FOIA | |
| Apr 2025 | Minnesota | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $20K | 10% | 7 yr | SBA FOIA | |
| Mar 2025 | Minnesota | SBA 7(a), All Other Miscellaneous Retailers | $80K | 8% | 7 yr | SBA FOIA | |
| Mar 2025 | Minnesota | SBA 7(a), Other Building Finishing Contractors | $32K | 8.5% | 5 yr | SBA FOIA | |
| Mar 2025 | Minnesota | SBA 7(a), Other Building Finishing Contractors | $25K | 9% | 10 yr | SBA FOIA | |
| Mar 2025 | Minnesota | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $25K | 9% | 10 yr | SBA FOIA | |
| Dec 2024 | Minnesota | SBA 7(a), Information | $50K | 8.75% | 10 yr | SBA FOIA | |
| Dec 2024 | Minnesota | SBA 7(a), Sign Manufacturing | $34K | 8% | 7 yr | SBA FOIA | |
| Aug 2024 | Minnesota | SBA 7(a), Manufacturing | $150K | 10.5% | 7 yr | SBA FOIA | |
| Aug 2024 | Minnesota | SBA 7(a), Manufacturing | $50K | 10.5% | 7 yr | SBA FOIA | |
| Jul 2024 | Minnesota | SBA 7(a), Boat Dealers | $250K | 9.5% | 7 yr | SBA FOIA | |
| Jun 2024 | Minnesota | SBA 504, Offices of Dentists | $480K | 25 yr | SBA FOIA | ||
| Jun 2024 | Minnesota | SBA 7(a), Offices of Dentists | $150K | 9.25% | 10 yr | SBA FOIA | |
| Jun 2024 | Minnesota | SBA 7(a), Sign Manufacturing | $5K | 9.5% | 7 yr | SBA FOIA | |
| Mar 2024 | Minnesota | SBA 7(a), Limited-Service Restaurants | $150K | 9.5% | 7 yr | SBA FOIA | |
| Mar 2024 | Minnesota | SBA 7(a), Limited-Service Restaurants | $110K | 9% | 7 yr | SBA FOIA | |
| 24 SBA 7(a) loans since October 2023, net of cancelled | $1.74M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $0 | 0.0% | Not reported |
| Construction and land development | $421K | 0.3% | Not reported |
| Owner-occupied CRE | $30.8M | 18.5% | +2.3% |
| Non-owner-occupied CRE | $7.69M | 4.6% | -6.1% |
| Farmland | $9.38M | 5.6% | -14.4% |
| Commercial and industrial | $36.0M | 21.6% | +15.6% |
| Commercial total | $84.2M |
Reference only: $64.5M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $86.8M |
| Q4 2023 | $86.2M |
| Q1 2024 | $87.1M |
| Q2 2024 | $86.2M |
| Q3 2024 | $86.3M |
| Q4 2024 | $83.2M |
| Q1 2025 | $81.4M |
| Q2 2025 | $80.7M |
| Q3 2025 | $80.2M |
| Q4 2025 | $83.3M |
| Q1 2026 | $83.3M |
| Q2 2026 | $84.2M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 24 | $1.74M | $50.0K | $250K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 3 | $230K | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 3 | $2.10M | $480K | $1.3M | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: name and lender office city.
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Citizens Bank & Trust Co. reported commitments to fund construction loans that had not been drawn at June 30, 2026: $459,000 for 1-4 family residential construction and $8,180,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $14,692,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 59 | $1.92M |
| Over $100,000 up to $250,000 | 36 | $3.96M |
| Over $250,000 up to $1 million | 38 | $13.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 9 | $505K |
| Over $100,000 up to $250,000 | 44 | $7.07M |
| Over $250,000 up to $1 million | 31 | $11.9M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 8 | $257K |
| Over $100,000 up to $250,000 | 9 | $1.07M |
| Over $250,000 up to $500,000 | 19 | $5.85M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 92 | $3.48M |
| Over $100,000 up to $250,000 | 38 | $4.76M |
| Over $250,000 up to $500,000 | 10 | $2.63M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Minnesota HQ | 3 | 24 | 3 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Citizens Bank & Trust Co. has 3 offices in 1 county and 1 state (FDIC Summary of Deposits, June 30, 2026): 1 full service and 2 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| McLeod County, MN | 1 | 2 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $4.50M | $4.14M to $6.78M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 27.0% | 7.2% to 189.3% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 1.4% | 4.7% to 48.0% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 56.0% | 52.7% to 91.8% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $8.64M | $1.83M to $9.86M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 3.8% from a year earlier. | FDIC call report, |
| Loans to assets | 50.6% | 44.8% to 78.7% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- SBA Express
- 24 loans
- Approval to first disbursement
- 10 days, median of 23
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| The First National Bank of Milaca | MN | $293M | $111M |
| The State Bank of Faribault | MN | $329M | $103M |
| United Community Bank | MN | $359M | $104M |
| Castle Rock Bank | MN | $294M | $58.7M |
| Viking Bank, National Association | MN | $330M | $160M |
| Gateway Bank | MN | $320M | $140M |
| Security Bank USA | MN | $264M | $99.9M |
| Citizens State Bank of Roseau | MN | $291M | $61.3M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Citizens Bank & Trust Co., FDIC certificate 10218. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $329M in total assets and $84.2M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 27 recorded loans from SBA files, through September 30, 2026: 24 SBA 7(a) in 36 months, 3 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Citizens Bank & Trust Co.]
- Phone and website. Phone 320-587-2233, from the lender's website on November 9, 2026. Website cbhutch.com, from the FDIC record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 10218
- RSSD
- 56258
- The Lender Report ID
- lr_003375
- FDIC classifies this bank as
- All Other Under 1 Billion
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $329M in total assets as of June 30, 2026 (FDIC call report).
- Held $84.2M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $36M of commercial and industrial loans as of June 30, 2026, up 15.6% from a year earlier (FDIC call report).
- Held $30.8M of owner-occupied commercial real estate loans as of June 30, 2026, up 2.3% from a year earlier (FDIC call report).
- Held $9.4M of farmland loans as of June 30, 2026 (FDIC call report).
- Recorded 24 SBA 7(a) approvals totaling $1.7M from October 1, 2023 to September 30, 2026 (SBA).
5 more sentences
- Provided the first lien on 3 SBA 504 projects with $2.1M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 3 offices in 1 state (FDIC).
- Held 133 commercial and industrial loans that were $1 million or less when made, with a balance of $19.7M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 84 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $19.5M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $459K for 1-4 family and $8.2M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Citizens Bank & Trust Co., https://lender.report/lender/citizens-bank-and-trust-mn/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem