Citizens Bank & Trust (Guntersville, AL)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank & Trust is an FDIC-insured commercial bank headquartered in Guntersville, AL, established in 2003 (FDIC certificate 57483), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.20B, up 10.4% from Q2 2025, the 13th largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 14.67% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57483
- Headquarters
- Guntersville, AL
- Established
- 2003
- Total assets, Q2 2026
- $1.20B
- Assets vs Q2 2025
- +10.4%
- CET1 ratio, Q2 2026
- 14.67%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 062206431
- Holding company
- CITIZENS B & T HOLDINGS, INC.
- Asset rank in state
- 13th of 93 in Alabama
Citizens Bank & Trust spends more to run itself than most banks of its size. Based in Guntersville, Alabama, it had $1.2 billion in assets at June 30, 2026, up 10.4% from a year earlier. It spends about 76 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also keeps 2.68 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $39 million equal 37% of Tier 1 capital, down from 48% a year earlier. Deposits are coming in faster than loans: over the year loans rose 2.2% and deposits rose 10.9%. Where it has less room is capital: it funds 8.93% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, Citizens Bank & Trust reported a CET1 capital ratio of 14.67%, a return on assets of 0.62%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.80%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Bank & Trust is the 13th largest of the 93 banks headquartered in Alabama. From Q1 2026 to Q2 2026, its total assets rose 2.9% to $1.20B, loans rose 2.0% and deposits rose 3.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.0% of total loans, ahead of owner-occupied commercial real estate loans at 23.0%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities in AL; its Guntersville office books 33% of its branch deposits. Judged on its Q2 2026 call report, Citizens Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 711 Gunter Ave, Guntersville, AL 35976
- County
- Marshall
- Metro Area
- Albertville, AL
- 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
- —
- Call Report form
- FFIEC 051
- Established
- March 3, 2003
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 150
- Domestic deposits
- $1.10B
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- $90K
- Average total assets
- $1.18B
- Average total loans
- $619.2M
- Average interest-bearing deposits
- $862.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 3, 2003
- FDIC Cert
- 57483
- Fed RSSD
- 3174920
- SEC CIK
- 1435720 → filed by CITIZENS B & T HOLDINGS, INC.
- Parent Holding Company
- CITIZENS B & T HOLDINGS, INC. (RSSD 3439179)
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
Citizens Bank & Trust's total assets moved between a low of $1.03B (Q4 2024) and a high of $1.20B (Q2 2026) from Q3 2023 to 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
$1.20B total assets against $1.09B; $1.13B total liabilities against $1.02B.
$617.4M net loans and leases against $603.4M; $1.10B total deposits against $994.0M.
$320.9M securities against $296.6M; $176.8M cash and balances due against $113.0M.
$13.0M total interest income against $12.4M; $5.5M total interest expense against $5.5M.
$7.5M net interest income against $6.9M.
$1.7M total noninterest income against $1.5M; $7.0M total noninterest expense against $6.1M.
$187K provision for credit losses against $55K.
$1.8M net income against $1.9M.
0.62% return on assets against 0.70%; 2.68% net interest margin against 2.63%.
14.67% CET1 capital ratio against 14.46%; 8.93% tier 1 leverage ratio against 9.24%.
Inside the full Citizens Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank & Trust rankings
Its closest position to the top of a national ranking is 885 of 4,196, for total assets; its furthest is 3,118 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.26% (Q3 2024) to 0.70% (Q2 2025) and its net interest margin ran from 2.18% (Q3 2024) to 2.74% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.67% | 0.62% | 0.08% | 0.80% | 2.68% |
| Q1 2026 | 14.87% | 0.59% | 0.17% | 1.29% | 2.66% |
| Q4 2025 | 14.25% | 0.61% | 0.15% | 1.19% | 2.74% |
| Q3 2025 | 14.66% | 0.60% | 0.23% | 1.80% | 2.73% |
| Q2 2025 | 14.46% | 0.70% | 0.23% | 2.00% | 2.63% |
| Q1 2025 | 14.46% | 0.42% | 0.29% | 2.52% | 2.54% |
| Q4 2024 | 14.26% | 0.49% | 0.17% | 1.97% | 2.41% |
| Q3 2024 | 14.43% | 0.26% | 0.12% | 1.34% | 2.18% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 & Trust (main office) | Guntersville , AL | 35976 | $359.4M |
| Albertville Branch | Albertville , AL | 35950 | $291.5M |
| Arab Branch | Arab , AL | 35016 | $184.6M |
| Cullman Branch | Cullman , AL | 35055 | $60.0M |
| New Hope Branch Hwy 431 South | New Hope , AL | 35760 | $50.7M |
| Rogersville Branch | Rogersville , AL | 35652 | $40.0M |
| Hazel Green Branch | Hazel Green , AL | 35750 | $37.7M |
| Scottsboro Branch Hwy 72 | Scottsboro , AL | 35768 | $33.1M |
| Cullman #2 - Hwy 157 Branch | Cullman , AL | 35055 | $26.6M |
| Elkmont Branch | Elkmont , AL | 35620 | $19.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in AL, rank 25 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 146 applications, 109 loans originated, $51.6M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $716K approved, $716K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 & Trust
What are Citizens Bank & Trust's total assets?
As of the Q2 2026 filing, Citizens Bank & Trust reported total assets of $1.20 billion in its FFIEC call report.
Where is Citizens Bank & Trust headquartered?
It is headquartered in Guntersville, AL, United States.
When was Citizens Bank & Trust founded?
It was established in 2003, per the FDIC institution directory.
Is Citizens Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57483). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank & Trust?
Citizens Bank & Trust's primary federal regulator is the FDIC.
What is Citizens Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.67% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank & Trust operate?
It operates 10 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 & Trust's Texas Ratio?
Its Texas Ratio is 0.80% 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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