Citizens Bank and Trust Company (Blackstone, VA)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank and Trust Company is an FDIC-insured commercial bank headquartered in Blackstone, VA, established in 1873 (FDIC certificate 823), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $577.6M, up 2.8% from Q2 2025, the 36th largest of 56 banks headquartered in Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 823
- Headquarters
- Blackstone, VA
- Established
- 1873
- Total assets, Q2 2026
- $577.6M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 15.39%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 051402233
- Latest call report
- Q2 2026, FFIEC 041 · Citizens Bank and Trust Company call report
- Holding company
- CITIZENS BANCORP OF VIRGINIA, INC.
- Asset rank in state
- 36th of 56 in Virginia
Citizens Bank and Trust Company is one of the more profitable banks of its size. Its balance sheet stood at $578 million at June 30, 2026, up 2.8% from a year earlier; it is based in Blackstone, Virginia. It earns about $2.28 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also pays an average of 0.95% on its deposits and borrowings, about half the median of 1.80% for banks its size. Much of that comes from cost control: it spends about 45 cents to bring in each dollar of revenue.
Net income for the quarter rose 28% from a year earlier, to $3.4 million. Its $31 million non-owner-occupied commercial real estate book is now fully current, after 1.22% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, Citizens Bank and Trust Company reported a return on assets of 2.28%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.06%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Bank and Trust Company is the 36th largest of the 56 banks headquartered in Virginia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $577.6M, loans rose 1.6% and deposits fell 1.5%. 1-4 family residential loans made up 53.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 11.0%. Its 12 offices in the FDIC Summary of Deposits are in 9 cities in VA; its Blackstone 3 offices book 31% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 126 S Main St, Blackstone, VA 23824
- County
- Nottoway
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 15, 1873
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 90
- Domestic deposits
- $485.5M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $588.6M
- Average total loans
- $285.7M
- Average interest-bearing deposits
- $366.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 823
- Fed RSSD
- 991621
- SEC CIK
- 1277254 → filed by CITIZENS BANCORP OF VIRGINIA, INC.
- Website
- http://www.cbtva.com →
- Parent Holding Company
- CITIZENS BANCORP OF VIRGINIA, INC. (RSSD 3219474)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Citizens Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Bank and Trust Company's total assets ran between $545.3M (Q3 2024) and $583.3M (Q1 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
$577.6M total assets against $561.6M; $494.6M total liabilities against $488.4M.
$284.8M net loans and leases against $271.4M; $485.5M total deposits against $478.3M.
$211.6M securities against $216.9M; $47.2M cash and balances due against $40.6M.
$7.4M total interest income against $6.8M; $1.2M total interest expense against $1.2M.
$6.3M net interest income against $5.6M.
$1.2M total noninterest income against $851K; $3.4M total noninterest expense against $3.1M.
$40K provision for credit losses against $60K.
$3.4M net income against $2.6M.
2.28% return on assets against 1.83%; 4.58% net interest margin against 4.16%.
15.39% tier 1 leverage ratio against 14.35%.
Inside the full Citizens Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank and Trust Company rankings
Its closest position to the top of a national ranking is 255 of 3,611, for ROA; its furthest is 2,650 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.54% (Q4 2024) to 2.28% (Q2 2026) and its net interest margin ran from 3.94% (Q3 2024) to 4.58% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.39% | 2.28% | 0.23% | 1.06% | 4.58% |
| Q1 2026 | 15.00% | 1.87% | 0.23% | 1.09% | 4.39% |
| Q4 2025 | 14.83% | 1.65% | 0.25% | 1.15% | 4.41% |
| Q3 2025 | 14.71% | 1.83% | 0.12% | 1.08% | 4.36% |
| Q2 2025 | 14.35% | 1.83% | 0.10% | 1.04% | 4.16% |
| Q1 2025 | 14.17% | 1.75% | 0.25% | 1.64% | 3.99% |
| Q4 2024 | 14.10% | 1.54% | 0.18% | 1.45% | 4.01% |
| Q3 2024 | 13.78% | 1.67% | 0.12% | 1.21% | 3.94% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| Citizens Bank and Trust Company (main office) | Blackstone , VA | 23824 | $136.9M |
| Amelia Branch | Amelia Court House , VA | 23002 | $117.9M |
| Crewe Branch | Crewe , VA | 23930 | $50.3M |
| Farmville Branch | Farmville , VA | 23901 | $48.5M |
| Burkeville Branch | Burkeville , VA | 23922 | $20.8M |
| Colonial Heights Branch | Colonial Heights , VA | 23834 | $20.6M |
| Chester Branch | Chester , VA | 23831 | $20.4M |
| Farmville Branch | Farmville , VA | 23901 | $20.2M |
| South Hill Branch | South Hill , VA | 23970 | $18.2M |
| Powhatan Branch | Powhatan , VA | 23139 | $16.3M |
| Blackstone Shopping Center Branch | Blackstone , VA | 23824 | $15.5M |
| Drive-In Branch | Blackstone , VA | 23824 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in VA, rank 50 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 185 applications, 135 loans originated, $32.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Company
What are Citizens Bank and Trust Company's total assets?
As of the Q2 2026 filing, Citizens Bank and Trust Company reported total assets of $577.6 million in its FFIEC call report.
Where is Citizens Bank and Trust Company headquartered?
It is headquartered in Blackstone, VA, United States.
When was Citizens Bank and Trust Company founded?
It was established in 1873, per the FDIC institution directory.
Is Citizens Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #823). 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 Company?
Citizens Bank and Trust Company's primary federal regulator is the Federal Reserve.
How many branches does Citizens Bank and Trust Company operate?
It operates 12 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 Company's Texas Ratio?
Its Texas Ratio is 1.06% 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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