CITIZENS BANK AND TRUST is an 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%. CET1 capital ratio: 12.17%, well above regulatory minimums. NPL ratio: 0.49% · Texas Ratio: 6.36%. Operates 16 domestic branches.
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