Citizens Trust Bank

965 Martin Luther King Jr. Drive, Nw
Atlanta, GA 30314

Notable Rates APY Vs.Others
Savings 0.05% 2.10% →
1-Year CD 0.20% 2.02% →
2-Year CD 0.25% 2.02% →
5-Year CD 0.80% 2.02% →
30-Year Mortgage N.A. 3.03% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 3.25% →

2020 Overview

General Bank Information

Citizens Trust Bank is an FDIC insured institution located in Atlanta, GA. It was founded in 1921 and has approximately $0.42 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 8033
Date Established 1921
Assets $0.42 billion
Loans $0.27 billion
Deposits $0.35 billion
Capital $0.05 billion

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

Deposit Rates - March 30, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 - Learn MoreShow Less
3 Mo CD
0.03% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.03% $100,000 - Learn MoreShow Less
6 Mo CD
0.05% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.05% $100,000 - Learn MoreShow Less

Fixed IRA
0.20% $500 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $2,000 - Learn MoreShow Less

Loan Rates - March 30, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Citizens Trust Bank

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 2020

Lender APR Rate (%) Points Fees Monthly
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Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Citizens Trust Bank
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Financial Details

Citizens Trust Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens Trust Bank. 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 Trust Bank U.S. Bank Average
3.84% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 September 30, 2019, Citizens Trust Bank had $1,645,000 in non-current loans and $207,000 in owned real estate. To cover these potential losses it had $46,630,000 in equity and $1,637,000 in loans loss reserves. That gives it a Texas Ratio of 3.84%.

Return on Equity
Citizens Trust Bank U.S. Bank Average
9.89% 9.72%

Citizens Trust Bank has a Return on Equity of 9.89% versus the BestCashCow average of 9.72%. 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 Trust Bank U.S. Bank Average
11.23% 12.89%

Citizens Trust Bank has a Capitalization of 11.23% versus the BestCashCow average of 12.89. 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 Trust Bank Balance Sheet Analysis

As of September 30, 2019, Citizens Trust Bank had assets of $415,079,000, loans of $274,244,000, and deposits of $351,035,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.09 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.27 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 $0.37 billion
Total deposits $0.35 billion
      Interest-bearing deposits $0.24 billion
      Deposits held in domestic offices $0.35 billion
      % insured (estimated) 64.61%
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 $0.37 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

September 30, 2019
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

Bank Loan Profile?

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

Compared to other banks in Georgia, Citizens Trust Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

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 24.77
Credit Card Loans 1.04
Consumer Auto Loans 0.74
Small Business Loans 14.18
Construction and Development Loans 3.18
Commercial Real Estate 48.19
Commercial and Industrial Loans 16.80
Farm Loans 0.00

Frequently Asked Questions About Citizens Trust Bank

Branches and Savings

Is Citizens Trust Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8033.

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

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

Why are Citizens Trust Bank CD rates not competitive?

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

Is Citizens Trust Bank a commercial bank?


Where are Citizens Trust Bank locations?

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Is Citizens Trust Bank open on Saturdays?

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Are Citizens Trust Bank ATMs Open 24/7?

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Do Citizens Trust Bank branches have notaries?

Will Citizens Trust Bank notarize my document?

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Will the Citizens Trust Bank branch print checks?

Do Citizens Trust Bank checks expire?

Does Citizens Trust Bank require US citizenship to open account?

Can Citizens Trust Bank close my account?

Does Citizens Trust Bank Report to credit bureaus?

Does Citizens Trust Bank Use Equifax?

What is Citizens Trust Bank's ACH Routing Number?

What is Citizens Trust Bank's SWIFT code?


Does Citizens Trust Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Citizens Trust Bank offer personal loans?

Compare personal loan rates here.

Does Citizens Trust Bank offer student loans?

Will Citizens Trust Bank cash a check?

Will Citizens Trust Bank redeem a savings bond?

Does Citizens Trust Bank cash savings bonds?

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Background on The Bank

Who owns Citizens Trust Bank?

How long has Citizens Trust Bank been around?

Can Citizens Trust Bank transfer to other banks?

Does Citizens Trust Bank have quick pay?

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