CITIZENS TRUST BANK

ATLANTA, GA | Medium | Est. June 18, 1921, midnight | FDIC #8033 | RSSD #680130 | FED
Latest Report: 2025-12-31

CITIZENS TRUST BANK is amn medium FDIC-insured commercial bank headquartered in ATLANTA, GA, established in June 18, 1921, midnight. As of 2025-12-31, the bank reported total assets of $796M and total deposits of $682M. Profitability stands at 1.84% ROA and 14.39% ROE, with a net interest margin of 4.54%. The bank's CET1 capital ratio is 24.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.83% and a Texas Ratio of 3.73%. FDIC Certificate #8033.

Assets

$796M

Deposits

$682M

Loans

$381M

Equity

$102M

Profitability

Return on Assets (ROA) 1.84%
Return on Equity (ROE) 14.39%
Net Interest Margin (NIM) 4.54%
Yield on Assets 5.48%
Cost of Funds 1.00%

Asset Quality

NPL Ratio 0.83%
Net Charge-Off Ratio 0.12%
Texas Ratio 3.73%
NPA Ratio 0.50%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 24.03%
Tier 1 Capital 24.03%
Total Capital Ratio 25.17%
Leverage Ratio 13.68%
Loan-to-Deposit 55.76%

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