Citizens Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank and Trust is an FDIC-insured commercial bank headquartered in Frostproof, FL, established in 1920 (FDIC certificate 5673), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.48B, up 6.2% from Q2 2025, the 24th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 12.65% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5673
- Headquarters
- Frostproof, FL
- Established
- 1920
- Total assets, Q2 2026
- $1.48B
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 12.65%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 063103407
- Holding company
- CITIZENS BANKING CORPORATION
- Asset rank in state
- 24th of 81 in Florida
Citizens Bank and Trust is one of the more profitable banks of its size. Its balance sheet stood at $1.5 billion at June 30, 2026, up 6.2% from a year earlier; it is based in Frostproof, Florida. It returns 34.9% a year on shareholders' equity, about triple the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 8.04% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $5.2 million, 51% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $62 million equal 51% of Tier 1 capital, down from 63% a year earlier. Its margin is thin by comparison: it keeps 3.18 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Citizens Bank and Trust reported a CET1 capital ratio of 12.65%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 4.51%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Bank and Trust is the 24th largest of the 81 banks headquartered in Florida. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $1.48B, loans rose 3.7% and deposits rose 0.1%. 1-4 family residential loans made up 27.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 22.5%. Its 16 offices in the FDIC Summary of Deposits are in 12 cities in FL; its Lakeland 3 offices book 19% of its branch deposits. Judged on its Q2 2026 call report, Citizens Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2 E Wall St, Frostproof, FL 33843
- County
- Polk
- Metro Area
- Lakeland-Winter Haven, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 13, 1920
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 196
- Domestic deposits
- $1.40B
- Allowance for credit losses
- $9.7M
- Net charge-offs (YTD)
- $272K
- Average total assets
- $1.53B
- Average total loans
- $861.8M
- Average interest-bearing deposits
- $975.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5673
- Fed RSSD
- 701839
- SEC CIK
- 1478819 → filed by CITIZENS BANKING CORPORATION
- Website
- http://www.citizens-bank.com →
- Parent Holding Company
- CITIZENS BANKING CORPORATION (RSSD 3200874)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Bank and Trust's total assets ran between $1.29B (Q3 2023) and $1.48B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.48B total assets against $1.39B; $1.42B total liabilities against $1.35B.
$874.4M net loans and leases against $827.7M; $1.40B total deposits against $1.33B.
$496.3M securities against $496.8M; $58.6M cash and balances due against $22.7M.
$16.6M total interest income against $15.8M; $4.9M total interest expense against $5.2M.
$11.7M net interest income against $10.6M.
$3.2M total noninterest income against $2.7M; $9.4M total noninterest expense against $8.9M.
$294K provision for credit losses against $927K.
$5.2M net income against $3.4M.
1.35% return on assets against 0.93%; 3.18% net interest margin against 3.00%.
12.65% CET1 capital ratio against 11.89%; 8.04% tier 1 leverage ratio against 7.65%.
Inside the full Citizens Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank and Trust rankings
Its closest position to the top of a national ranking is 740 of 4,196, for total assets; its furthest is 1,516 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q3 2024) to 1.41% (Q1 2026) and its net interest margin ran from 2.39% (Q3 2024) to 3.18% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.65% | 1.35% | 0.35% | 4.51% | 3.18% |
| Q1 2026 | 12.50% | 1.41% | 0.37% | 4.74% | 3.11% |
| Q4 2025 | 12.17% | 0.91% | 0.49% | 6.36% | 3.07% |
| Q3 2025 | 12.21% | 1.15% | 0.32% | 4.49% | 3.03% |
| Q2 2025 | 11.89% | 0.93% | 0.87% | 14.43% | 3.00% |
| Q1 2025 | 12.21% | 0.94% | 1.51% | 27.31% | 2.91% |
| Q4 2024 | 12.08% | 0.86% | 1.61% | 39.08% | 2.63% |
| Q3 2024 | 12.00% | 0.57% | 1.82% | 32.07% | 2.39% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lake Wales Branch | Lake Wales , FL | 33853 | $193.7M |
| Haines City Branch | Haines City , FL | 33844 | $158.8M |
| Winter Haven Branch | Winter Haven , FL | 33880 | $150.4M |
| Bartow Office Branch | Bartow , FL | 33830 | $147.6M |
| Downtown Lakeland Branch | Lakeland , FL | 33801 | $108.6M |
| Auburndale Branch | Auburndale , FL | 33823 | $107.7M |
| Edgewood Branch | Lakeland , FL | 33803 | $104.7M |
| Citizens Bank and Trust (main office) | Frostproof , FL | 33843 | $78.9M |
| Dundee Branch | Dundee , FL | 33838 | $58.2M |
| Chalet Suzanne Branch | Lake Wales , FL | 33859 | $54.0M |
| South Lakeland Branch | Lakeland , FL | 33813 | $51.3M |
| Plant City Branch | Plant City , FL | 33566 | $50.0M |
| Winterset Branch | Winter Haven , FL | 33884 | $46.3M |
| Ft. Meade Branch | Fort Meade , FL | 33841 | $39.4M |
| Brandon Branch | Valrico , FL | 33596 | $39.4M |
| Dade City Branch | Dade City , FL | 33525 | $8.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2004 | Structure Change | Acquired American Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in FL, rank 55 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 233 applications, 166 loans originated, $57.0M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank and Trust
What are Citizens Bank and Trust's total assets?
As of the Q2 2026 filing, Citizens Bank and Trust reported total assets of $1.48 billion in its FFIEC call report.
Where is Citizens Bank and Trust headquartered?
It is headquartered in Frostproof, FL, United States.
When was Citizens Bank and Trust founded?
It was established in 1920, per the FDIC institution directory.
Is Citizens Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5673). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank and Trust?
Citizens Bank and Trust's primary federal regulator is the FDIC.
What is Citizens Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.65% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens Bank and Trust operate?
It operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank and Trust's Texas Ratio?
Its Texas Ratio is 4.51% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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