Banks | Citizens Bank & Trust

Citizens Bank & Trust


Citizens Bank & Trust is an FDIC insured institution headquartered at 711 Gunter Ave, Guntersville, AL 35976.
It was founded in 2003 and has approximately $1 billion in assets. Customers can open an account at one of its 8 branches.

Deposit Rates - April 02, 2025

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.50% $10,000 Compare
6 Mo CD
0.50% $100,000 Compare
12 Mo CD
0.60% $10,000 Compare
12 Mo CD
0.60% $100,000 Compare
18 Mo CD
0.65% $10,000 Compare
18 Mo CD
0.65% $100,000 Compare
24 Mo CD
0.65% $10,000 Compare
24 Mo CD
0.65% $100,000 Compare
30 Mo CD
0.65% $10,000 Compare
30 Mo CD
0.65% $100,000 Compare
36 Mo CD
0.70% $10,000 Compare
36 Mo CD
0.70% $100,000 Compare
48 Mo CD
0.75% $10,000 Compare
48 Mo CD
0.75% $100,000 Compare
60 Mo CD
1.05% $10,000 Compare
60 Mo CD
1.05% $100,000 Compare
MM RATES APY MIN
Money Market
0.15% $2,500 Compare
Money Market
0.15% $10,000 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57483
Date Established 2003
Assets $ 1,063.13 million
Loans $ 570.02 million
Deposits $ 917.08 million
Capital $ 65.61 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 82.34 million
Interest-bearing balances $ 64.47 million
Total securities $ 337.97 million
Federal funds sold and reverse repurchase $ 1.05 million
Net loans and leases $ 570.02 million
Loan loss allowance $ 6.97 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.28 million
Goodwill and other intangibles N.A.
All other assets $ 51.06 million
     Total Assets $ 997.52 million

LIABILITIES
Total deposits $ 917.08 million
      Interest-bearing deposits $ 730.32 million
      Deposits held in domestic offices $ 917.08 million
      % insured (estimated)" 69.17%
Federal funds purchased and repurchase agreements $ 2.67 million
Trading liabilities N.A.
Other borrowed funds $ 34.25 million
Subordinated debt N.A.
All other liabilities $ 3.83 millionn
      Total Liabilities $ 997.52 million
      Shareholders’ Equity $ 65.61 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 35.33 million
Total Interest Expense $ 18.89 million
Net interest income $ 16.44 million
Provision for loan and lease losses N.A.
Total non interest income $ 6.19 million
Total non interest expense $ 18.66 million
Pre-tax Net Operating Income $ 4.92 million

Customer Reviews for Citizens Bank & Trust

There are currently no comments for Citizens Bank & Trust. Be the first to share your experience. Please provide comments that will help others.

Add Your Review


Rate it here →


Branches

Click on location and enter new zip number to change."
Your current location is: Columbus, OH

Citizens Bank & Trust Locations

Other Banks to Consider