CITIZENS BANK AND TRUST, INC.

TRENTON, GA | Small | Est. Jan. 18, 1988, midnight | FDIC #27153 | RSSD #1163283 | OCC
Latest Report: 2025-12-31

CITIZENS BANK AND TRUST, INC. is asn small FDIC-insured commercial bank headquartered in TRENTON, GA, established in Jan. 18, 1988, midnight. As of 2025-12-31, the bank reported total assets of $130M and total deposits of $114M. Profitability stands at 1.77% ROA and 15.34% ROE, with a net interest margin of 5.66%. The bank's CET1 capital ratio is 22.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 1.15%. FDIC Certificate #27153.

Assets

$130M

Deposits

$114M

Loans

$82M

Equity

$15M

Profitability

Return on Assets (ROA) 1.77%
Return on Equity (ROE) 15.34%
Net Interest Margin (NIM) 5.66%
Yield on Assets 6.50%
Cost of Funds 0.88%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio 0.06%
Texas Ratio 1.15%
NPA Ratio 0.15%
ACL / Loans 1.67%

Capital & Liquidity

CET1 Ratio 22.34%
Tier 1 Capital 22.34%
Total Capital Ratio 23.59%
Leverage Ratio 12.80%
Loan-to-Deposit 71.98%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required