Citizens Bank & Trust (Guntersville, AL): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank & Trust spends more to run itself than most banks of its size. Based in Guntersville, Alabama, it had $1.2 billion in assets at June 30, 2026, up 10.4% from a year earlier. It spends about 76 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also keeps 2.68 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $39 million equal 37% of Tier 1 capital, down from 48% a year earlier. Deposits are coming in faster than loans: over the year loans rose 2.2% and deposits rose 10.9%. Where it has less room is capital: it funds 8.93% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, Citizens Bank & Trust reported a CET1 capital ratio of 14.67%, a return on assets of 0.62%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 0.80%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 711 Gunter Ave, Guntersville, AL 35976
- County
- Marshall
- Metro Area
- Albertville, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 3, 2003
- Offices
- 10 domestic
- Employees (FTE)
- 150
- Domestic deposits
- $1.10B
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $90K
- Average total assets
- $1.18B
- Average total loans
- $619.2M
- Average interest-bearing deposits
- $862.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 3, 2003
- FDIC Cert
- 57483
- Fed RSSD
- 3174920
- SEC CIK
- 1435720 → filed by CITIZENS B & T HOLDINGS, INC.
- Parent Holding Company
- CITIZENS B & T HOLDINGS, INC. (RSSD 3439179)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens Bank & Trust, freeCitizens Bank & Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.67% | 0.62% | 0.08% | 0.80% | 2.68% |
| Q1 2026 | 14.87% | 0.59% | 0.17% | 1.29% | 2.66% |
| Q4 2025 | 14.25% | 0.61% | 0.15% | 1.19% | 2.74% |
| Q3 2025 | 14.66% | 0.60% | 0.23% | 1.80% | 2.73% |
| Q2 2025 | 14.46% | 0.70% | 0.23% | 2.00% | 2.63% |
| Q1 2025 | 14.46% | 0.42% | 0.29% | 2.52% | 2.54% |
| Q4 2024 | 14.26% | 0.49% | 0.17% | 1.97% | 2.41% |
| Q3 2024 | 14.43% | 0.26% | 0.12% | 1.34% | 2.18% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank & Trust (main office) | Guntersville , AL | 35976 | $359.4M |
| Albertville Branch | Albertville , AL | 35950 | $291.5M |
| Arab Branch | Arab , AL | 35016 | $184.6M |
| Cullman Branch | Cullman , AL | 35055 | $60.0M |
| New Hope Branch Hwy 431 South | New Hope , AL | 35760 | $50.7M |
| Rogersville Branch | Rogersville , AL | 35652 | $40.0M |
| Hazel Green Branch | Hazel Green , AL | 35750 | $37.7M |
| Scottsboro Branch Hwy 72 | Scottsboro , AL | 35768 | $33.1M |
| Cullman #2 - Hwy 157 Branch | Cullman , AL | 35055 | $26.6M |
| Elkmont Branch | Elkmont , AL | 35620 | $19.0M |
Regulatory record
What the public regulatory sources show for Citizens Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in AL, rank 25 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 146 applications, 109 loans originated, $51.6M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $716K approved, $716K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens Bank & Trust
What are Citizens Bank & Trust's total assets?
As of the Q2 2026 filing, Citizens Bank & Trust reported total assets of $1.20 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank & Trust headquartered?
Citizens Bank & Trust is headquartered in Guntersville, AL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Citizens Bank & Trust founded?
Citizens Bank & Trust was established in 2003, per the FDIC institution directory.
Is Citizens Bank & Trust FDIC-insured?
Yes. Citizens Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #57483). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank & Trust?
Citizens Bank & Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank & Trust's CET1 capital ratio?
Citizens Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 14.67% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank & Trust operate?
Citizens Bank & Trust operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank & Trust's Texas Ratio?
Citizens Bank & Trust's Texas Ratio is 0.80% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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