CITIZENS BANK & TRUST

GUNTERSVILLE, AL | Large | Est. March 3, 2003, midnight | FDIC #57483 | RSSD #3174920 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK & TRUST is aln large FDIC-insured commercial bank headquartered in GUNTERSVILLE, AL, established in March 3, 2003, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $991M. Profitability stands at 0.61% ROA and 9.25% ROE, with a net interest margin of 2.86%. The bank's CET1 capital ratio is 14.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 1.19%. FDIC Certificate #57483.

Assets

$1.1B

Deposits

$991M

Loans

$629M

Equity

$73M

Profitability

Return on Assets (ROA) 0.61%
Return on Equity (ROE) 9.25%
Net Interest Margin (NIM) 2.86%
Yield on Assets 5.00%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio 0.12%
Texas Ratio 1.19%
NPA Ratio 0.09%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 14.25%
Tier 1 Capital 14.25%
Total Capital Ratio 15.21%
Leverage Ratio 9.28%
Loan-to-Deposit 63.44%

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