BanksCITIZENS BANK AND TRUST

CITIZENS BANK AND TRUST

FROSTPROOF, FLLargeEst. May 13, 1920, midnightFDIC #5673RSSD #701839FDIC
Latest · 2025-12-31

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.

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 Margin3.31%
Yield on Assets4.89%
Cost of Funds1.53%

Asset Quality

NPL Ratio0.49%
Net Charge-Off Ratio0.05%
Texas Ratio6.36%
NPA Ratio0.29%
ACL / Loans1.22%

Capital & Liquidity

CET1 Ratio12.17%
Tier 1 Capital12.17%
Total Capital Ratio13.33%
Leverage Ratio7.72%
Loan-to-Deposit62.60%

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