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Citizens Bank and Trust Locations & Branches Frostproof, Florida
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Citizens Bank and Trust operates 16 branches from its headquarters in Frostproof, FL, .
Citizens Bank and Trust branch network
All 16 branches are in FLORIDA, across 12 cities. Lakeland, FL has the most of its branches, 3. Its largest office by deposits is the Lake Wales Branch office in Lake Wales, FL, with $193.7M (13.9% of its branch deposits). It had the same number of branches on June 30, 2025.
Citizens Bank and Trust at a glance
Its CET1 capital ratio was 12.65% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $1.48B
- CET1 ratio, Q2 2026
- 12.65%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1920
Full financial profile · Is Citizens Bank and Trust safe? · Citizens Bank and Trust call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Frostproof, FL (1 branch) | 1 of 1 | 100.0% | $78.9M |
| State: FL (16 branches) | 55 of 186 | 0.2% | $1.40B |
Ranked by total assets among banks headquartered in the state: Largest banks in Florida.
Share by county and metro area
Citizens Bank and Trust's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Polk, FL (13 branches) | 4 of 16 | 7.9% | $1.30B | $16.48B |
| Hillsborough, FL (2 branches) | 35 of 51 | 0.2% | $89.4M | $45.05B |
| Pasco, FL (1 branch) | 19 of 19 | <0.1% | $8.8M | $9.33B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Lakeland-Winter Haven, FL (13 branches) | 4 of 16 | 7.9% | $1.30B | $16.48B |
| Tampa-St. Petersburg-Clearwater, FL (3 branches) | 43 of 60 | <0.1% | $98.2M | $131.41B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 5673) · FFIEC NIC profile (RSSD 701839)