CITIZENS BANK AND TRUST COMPANY

BLACKSTONE, VA | Medium | Est. July 15, 1873, midnight | FDIC #823 | RSSD #991621 | FED
Latest Report: 2025-12-31

CITIZENS BANK AND TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in BLACKSTONE, VA, established in July 15, 1873, midnight. As of 2025-12-31, the bank reported total assets of $578M and total deposits of $488M. Profitability stands at 1.67% ROA and 12.25% ROE, with a net interest margin of 4.51%. The bank's CET1 capital ratio is 13.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.32%. FDIC Certificate #823.

Assets

$578M

Deposits

$488M

Loans

$280M

Equity

$80M

Profitability

Return on Assets (ROA) 1.67%
Return on Equity (ROE) 12.25%
Net Interest Margin (NIM) 4.51%
Yield on Assets 5.40%
Cost of Funds 0.98%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.32%
NPA Ratio 0.05%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 13.76%
Tier 1 Capital 13.76%
Total Capital Ratio 14.45%
Leverage Ratio 14.83%
Loan-to-Deposit 57.42%

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