Citizens Bank & Trust

711 Gunter Avenue
Guntersville, AL 35976

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57483
Date Established 2003
Assets $0.43 billion
Loans $0.28 billion
Deposits $0.38 billion
Capital $0.04 billion

Citizens Bank & Trust is an FDIC insured institution located in Guntersville, AL. It was founded in 2003 and has approximately $0.43 billion in assets. Customers can open an account at one of its 8 branches.

For a more detailed analysis of Citizens Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Citizens Bank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks, Citizens Bank & Trust’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.92
Multifamily
Mortgages
1.13
Credit Card Loans 0.00
Consumer Auto Loans 1.19
Small Business Loans 19.34
Construction and Development Loans 9.62
Commercial Real Estate 34.94
Commercial and Industrial Loans 14.01
Farm Loans 1.49

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $500 - Learn MoreShow Less
6 Mo CD 10K
0.20% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.40% $500 - Learn MoreShow Less
Special: 13 Mo FIRA
1.28% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.15% $2,500 $4,999 Learn MoreShow Less
MM 10K
0.15% $10,000 $19,999 Learn MoreShow Less
MM 25K
0.15% $20,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Citizens Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.896% 3.875% 0.25 $628 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
3.832% 3.750% 0.00 $2,500 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More
Flagstar Bank 4.990% $268.11 Learn More

Note to Citizens Bank & Trust
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Citizens Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Citizens Bank & Trust Locations

Financial Details

Citizens Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citizens Bank & Trust U.S. Bank Average
4.55% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Citizens Bank & Trust had $1,787,000 in non-current loans and $327,000 in owned real estate. To cover these potential losses it had $43,315,000 in equity and $3,128,000 in loans loss reserves. That gives it a Texas Ratio of 4.55%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Citizens Bank & Trust U.S. Bank Average
8.57% 8.58

Citizens Bank & Trust has a Return on Equity of 8.57% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Citizens Bank & Trust U.S. Bank Average
9.96% 12.11

Citizens Bank & Trust has a Capitalization of 9.96% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citizens Bank & Trust Balance Sheet Analysis

As of June 30, 2017, Citizens Bank & Trust had assets of $434,951,000, loans of $283,719,000, and deposits of $375,879,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Citizens Bank & Trust

Branches and Savings

Is Citizens Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #57483.

Why does Citizens Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Citizens Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Citizens Bank & Trust a commercial bank?

Yes

Where are Citizens Bank & Trust locations?

See branch locations nearby.

Is Citizens Bank & Trust open on Saturdays?

Is Citizens Bank & Trust open on Sundays?

What time does Citizens Bank & Trust open?

What time does Citizens Bank & Trust close?

Are Citizens Bank & Trust ATMs Open 24/7?

Do Citizens Bank & Trust ATMs accept cash deposits?

Can Citizens Bank & Trust customers use other ATMs?

Do Citizens Bank & Trust branches have notaries?

Will Citizens Bank & Trust notarize my document?

What address for Citizens Bank & Trust should I put for incoming ACH transfers?

Will the Citizens Bank & Trust branch print checks?

Do Citizens Bank & Trust checks expire?

Does Citizens Bank & Trust require US citizenship to open account?

Can Citizens Bank & Trust close my account?

Does Citizens Bank & Trust Report to credit bureaus?

Does Citizens Bank & Trust Use Equifax?

What is Citizens Bank & Trust's ACH Routing Number?

What is Citizens Bank & Trust's SWIFT code?

Products

Does Citizens Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Citizens Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Citizens Bank & Trust offer student loans?

Will Citizens Bank & Trust cash a check?

Will Citizens Bank & Trust redeem a savings bond?

Does Citizens Bank & Trust cash savings bonds?

Will Citizens Bank & Trust cash money orders?

Can Citizens Bank & Trust issue a money order?

Does Citizens Bank & Trust do currency exchange?

Background on The Bank

Who owns Citizens Bank & Trust?

How long has Citizens Bank & Trust been around?

Can Citizens Bank & Trust transfer to other banks?

Does Citizens Bank & Trust have quick pay?

Does Citizens Bank & Trust accept rolled coins?

Will Citizens Bank & Trust accept loose change?

Where is Citizens Bank & Trust headquarters?

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