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 Citizens Bank & Trust
Citizens Bank & Trust
| RSSD ID 3174920 | CERTIFICATE 57483 | ABA NUMBER 62206431 |
| 711 Gunter Ave |
Quarter Ended : |
2025-09-30 |
| Guntersville, Alabama, 35976 |
Updated : |
2025-10-29 |
| www.citizensbanktrust.com |
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| Institution Profile |
| Year Opened : |
2003 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
10 |
Number of Employees : |
153 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,098,242 |
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Total Interest Income | 36,283 |
| Total Liabilities | 1,026,703 |
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Total NonInterest Income | 4,224 |
| Total Bank Equity Capital | 71,539 |
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Total Interest Expense | 15,925 |
| Total Deposits | 997,310 |
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Total NonInterest Expense | 18,876 |
| Net Loans & Leases | 604,425 |
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Net Income | 4,603 |
| Loan Loss Allowance | 6,727 |
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Net Charge Offs | 314 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 109,342 |
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Total loans | 610,268 |
| Total assets for the leverage ratio | 1,085,422 |
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Loans secured by real estate: | 495,940 |
| Tier 1 Leverage Ratio | 9.42 |
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Commercial and industrial loans | 74,872 |
| Tier 1 Capital Ratio | 14.66 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.69 |
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Loans to individuals - Other | 17,356 |
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:· Citizens Bank & Trust
