CITIZENS BANK AND TRUST

FROSTPROOF, FL | Large | Est. May 13, 1920, midnight | FDIC #5673 | RSSD #701839 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK AND TRUST is aln large FDIC-insured commercial bank headquartered in FROSTPROOF, FL, established in May 13, 1920, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.4B. Profitability stands at 0.94% ROA and 25.91% ROE, with a net interest margin of 3.31%. The bank's CET1 capital ratio is 12.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 6.36%. FDIC Certificate #5673.

Assets

$1.4B

Deposits

$1.4B

Loans

$859M

Equity

$55M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 25.91%
Net Interest Margin (NIM) 3.31%
Yield on Assets 4.89%
Cost of Funds 2.86%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.05%
Texas Ratio 6.36%
NPA Ratio 0.29%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 12.17%
Tier 1 Capital 12.17%
Total Capital Ratio 13.33%
Leverage Ratio 7.72%
Loan-to-Deposit 62.60%

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