BanksCITIZENS TRUST BANK

CITIZENS TRUST BANK

ATLANTA, GAMediumEst. June 18, 1921, midnightFDIC #8033RSSD #680130FED
Latest · 2025-12-31

CITIZENS TRUST BANK is an 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%. CET1 capital ratio: 24.03%, well above regulatory minimums. NPL ratio: 0.83% · Texas Ratio: 3.73%. Operates 7 domestic branches.

Assets
$796M
Deposits
$682M
Loans
$381M
Equity
$102M

Profitability

Return on Assets (ROA)1.84%
Return on Equity (ROE)14.39%
Net Interest Margin4.54%
Yield on Assets5.48%
Cost of Funds1.00%

Asset Quality

NPL Ratio0.83%
Net Charge-Off Ratio0.12%
Texas Ratio3.73%
NPA Ratio0.50%
ACL / Loans1.22%

Capital & Liquidity

CET1 Ratio24.03%
Tier 1 Capital24.03%
Total Capital Ratio25.17%
Leverage Ratio13.68%
Loan-to-Deposit55.76%

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