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Citizens Bank & Trust Locations & Branches Guntersville, Alabama
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Citizens Bank & Trust operates 10 branches from its headquarters in Guntersville, AL, .
Citizens Bank & Trust branch network
All 10 branches are in ALABAMA, across 9 cities. Cullman, AL has the most of its branches, 2. Its largest office by deposits is its main office in Guntersville, AL, with $359.4M (32.6% of its branch deposits). It had the same number of branches on June 30, 2025.
Citizens Bank & Trust at a glance
Its CET1 capital ratio was 14.67% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.20B
- CET1 ratio, Q2 2026
- 14.67%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 2003
Full financial profile · Is Citizens Bank & Trust safe? · Citizens Bank & 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: Guntersville, AL (1 branch) | 1 of 7 | 48.5% | $359.4M |
| State: AL (10 branches) | 25 of 131 | 0.8% | $1.10B |
Ranked by total assets among banks headquartered in the state: Largest banks in Alabama.
Share by county and metro area
Citizens Bank & 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 |
|---|---|---|---|---|
| Marshall, AL (3 branches) | 1 of 16 | 29.9% | $835.5M | $2.80B |
| Madison, AL (2 branches) | 21 of 35 | 0.8% | $88.4M | $10.83B |
| Cullman, AL (2 branches) | 9 of 12 | 3.4% | $86.6M | $2.56B |
| Lauderdale, AL (1 branch) | 13 of 16 | 1.5% | $40.0M | $2.62B |
| Jackson, AL (1 branch) | 6 of 8 | 2.8% | $33.1M | $1.19B |
| Limestone, AL (1 branch) | 10 of 12 | 1.3% | $19.0M | $1.44B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Albertville, AL (3 branches) | 1 of 16 | 29.9% | $835.5M | $2.80B |
| Huntsville, AL (3 branches) | 20 of 37 | 0.9% | $107.4M | $12.27B |
| Cullman, AL (2 branches) | 9 of 12 | 3.4% | $86.6M | $2.56B |
| Florence-Muscle Shoals, AL (1 branch) | 13 of 16 | 1.0% | $40.0M | $3.94B |
| Scottsboro, AL (1 branch) | 6 of 8 | 2.8% | $33.1M | $1.19B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 57483) · FFIEC NIC profile (RSSD 3174920)