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 Citizens Bank & Trust
Citizens Bank & Trust
| RSSD ID 3174920 | CERTIFICATE 57483 | ABA NUMBER 62206431 |
| 711 Gunter Ave |
Quarter Ended : |
2025-12-31 |
| Guntersville, Alabama, 35976 |
Updated : |
2026-01-29 |
| 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 | 1,088,715 |
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Total Interest Income | 48,847 |
| Total Liabilities | 1,015,458 |
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Total NonInterest Income | 5,672 |
| Total Bank Equity Capital | 73,257 |
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Total Interest Expense | 21,293 |
| Total Deposits | 991,349 |
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Total NonInterest Expense | 25,423 |
| Net Loans & Leases | 620,799 |
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Net Income | 6,277 |
| Loan Loss Allowance | 6,590 |
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Net Charge Offs | 726 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 109,102 |
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Total loans | 623,071 |
| Total assets for the leverage ratio | 1,101,599 |
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Loans secured by real estate: | 511,117 |
| Tier 1 Leverage Ratio | 9.28 |
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Commercial and industrial loans | 73,259 |
| Tier 1 Capital Ratio | 14.25 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.21 |
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Loans to individuals - Other | 17,028 |
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:· Citizens Bank & Trust
