Citizens Bank & Trust

711 Gunter Avenue
Guntersville, AL 35976


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57483
Date Established 2003
Assets $0.49 billion
Loans $0.30 billion
Deposits $0.43 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 $0.49 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.65
Credit Card Loans 0.00
Consumer Auto Loans 1.15
Small Business Loans 18.49
Construction and Development Loans 9.99
Commercial Real Estate 34.61
Commercial and Industrial Loans 15.27
Farm Loans 1.31

Deposit Rates - October 15, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 $4,999 Learn MoreShow Less
Money Market
0.15% $10,000 $19,999 Learn MoreShow Less
Money Market
0.15% $20,000 $49,999 Learn MoreShow Less
3 Mo CD
0.10% $500 - Learn MoreShow Less
6 Mo CD
0.20% $500 - Learn MoreShow Less

Fixed IRA
0.40% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,500 - Learn MoreShow Less

Loan Rates - October 15, 2018

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 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
4.542% 4.500% 0.50 $1,250 $1,267 Learn More
Rocket Mortgage
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.750% 4.750% 0.00 $0 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to Citizens Bank & Trust
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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.

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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 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
1.71% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2018, Citizens Bank & Trust had $510,000 in non-current loans and $292,000 in owned real estate. To cover these potential losses it had $43,371,000 in equity and $3,577,000 in loans loss reserves. That gives it a Texas Ratio of 1.71%.

Return on Equity
Citizens Bank & Trust U.S. Bank Average
10.37% 9.77%

Citizens Bank & Trust has a Return on Equity of 10.37% versus the BestCashCow average of 9.77%. 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.

Citizens Bank & Trust U.S. Bank Average
8.91% 12.31%

Citizens Bank & Trust has a Capitalization of 8.91% versus the BestCashCow average of 12.31. 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, 2018, Citizens Bank & Trust had assets of $486,811,000, loans of $297,510,000, and deposits of $431,691,000. 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.

Summary Balance Sheet

June 30, 2018
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.11 billion
Federal funds sold and reverse repurchase $0.02 billion
Net loans and leases $0.30 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.44 billion
Total deposits $0.43 billion
      Interest-bearing deposits $0.34 billion
      Deposits held in domestic offices $0.43 billion
      % insured (estimated) 69.53%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.44 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

June 30, 2018
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

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?


Where are Citizens Bank & Trust locations?

See branch locations nearby.

Is Citizens Bank & Trust open on Saturdays?

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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?


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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