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.
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