Belt Valley Bank vs Citizens Bank & Trust Company
Comparing a Bank in Belt, MT with a Bank in Big Timber, MT using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Belt Valley Bank ↗ Bank · Belt, MT · Est. 1936 | Citizens Bank & Trust Company ↗ Bank · Big Timber, MT · Est. 1927 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Belt, MT | Big Timber, MT |
| Total assets | $90.2M | $158.3M |
| Capital ratio | 14.2% | 10.0% |
| Return on assets | 1.8% | 1.3% |
| Deposits | $75.2M | $130.7M |
| Branches | 1 | 2 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 36 | #6 of 36 |
| Established | 1936 | 1927 |
Belt Valley Bank
- Assets: $90.2M
- Deposits: $75.2M
- Capital ratio: 14.2%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #4 of 36
Citizens Bank & Trust Company
- Assets: $158.3M
- Deposits: $130.7M
- Capital ratio: 10.0%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #6 of 36
Are both institutions federally insured?
Yes. Belt Valley Bank is FDIC-insured and Citizens Bank & Trust Company is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Belt Valley Bank or Citizens Bank & Trust Company?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Belt Valley Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Belt Valley Bank safe?
Yes — Belt Valley Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Citizens Bank & Trust Company safe?
Yes — Citizens Bank & Trust Company is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Belt Valley Bank vs Citizens Bank & Trust Company?
Belt Valley Bank has a capital ratio of 14.2%, placing it in the top 32% of <$100M peers. Citizens Bank & Trust Company's ratio is 10.0%, placing it in the bottom 47% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Belt Valley Bank have compared to Citizens Bank & Trust Company?
The CFPB database shows 0 complaints against Belt Valley Bank, and 0 complaints against Citizens Bank & Trust Company. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Belt Valley Bank with other Banks in Montana
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
