Citizens Bank and Trust Company
Operating from Blackstone, VA, Citizens Bank and Trust Company serves its local market as an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $583M in assets, including $284M in loans. The bank posts a strong 1.87% ROA and 13.69% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 15.00% exceeds the 9% CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.00%. Its footprint covers 12 branches concentrated in Virginia.
Headquarters Profile
- Address
- 126 S Main St, BLACKSTONE, VA 23824
- County
- Nottoway
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 5
- Established
- July 15, 1873
- Branches
- 12 domestic
- Employees (FTE)
- 87
- FDIC Cert
- 823
- Fed RSSD
- 991621
- Website
- http://www.cbtva.com →
- Parent Holding Company
- CITIZENS BANCORP OF VIRGINIA, INC. (RSSD 3219474)
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Citizens Bank and Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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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 Q1 2026 filing, Citizens Bank and Trust Company reported total assets of $583.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank and Trust Company headquartered?
Citizens Bank and Trust Company is headquartered in BLACKSTONE, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank and Trust Company founded?
Citizens Bank and Trust Company was established in 1873, per the FDIC institution directory.
Is Citizens Bank and Trust Company FDIC-insured?
Yes. Citizens Bank and Trust Company 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 FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Citizens Bank and Trust Company operate?
Citizens Bank and Trust Company operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Citizens Bank and Trust Company's Texas Ratio?
Citizens Bank and Trust Company's Texas Ratio is 1.09% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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