Citizens Trust Bank
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Data as of · sourced from FFIEC call reports. How we update
Citizens Trust Bank is an FDIC-insured commercial bank headquartered in Atlanta, GA, established in 1921 (FDIC certificate 8033), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $790.3M, up 1.6% from Q2 2025, the 19th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 22.73% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8033
- Headquarters
- Atlanta, GA
- Established
- 1921
- Total assets, Q2 2026
- $790.3M
- Assets vs Q2 2025
- +1.6%
- CET1 ratio, Q2 2026
- 22.73%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 061010220
- Latest call report
- Q2 2026, FFIEC 041 · Citizens Trust Bank call report
- Holding company
- CITIZENS BANCSHARES CORPORATION
- Asset rank in state
- 19th of 121 in Georgia
Citizens Trust Bank, based in Atlanta, Georgia, reported $790 million in assets at June 30, 2026, up 1.6% from a year earlier. It pays an average of 1.01% on its deposits and borrowings, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also shrank its loan book 2.0% over the year, lower than about three-quarters of banks its size (median 5.5%).
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.59% of loans from 1.35% a year earlier.
As of June 30, 2026, Citizens Trust Bank reported a CET1 capital ratio of 22.73%, a return on assets of 1.61%, a nonperforming-loan ratio of 1.63% and a Texas ratio of 6.71%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Citizens Trust Bank is the 19th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $790.3M, loans rose 1.3% and deposits rose 1.3%. Commercial and industrial loans made up 27.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.2%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities across 2 states; its Atlanta 2 offices book 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Trust Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
- County
- Fulton
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- 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 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 18, 1921
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $678.1M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $74K
- Average total assets
- $803.0M
- Average total loans
- $386.8M
- Average interest-bearing deposits
- $397.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8033
- Fed RSSD
- 680130
- Website
- www.ctbconnect.com →
- Parent Holding Company
- CITIZENS BANCSHARES CORPORATION (RSSD 1078958)
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
Over the 12 quarters to Q2 2026, Citizens Trust Bank's total assets ran between $697.4M (Q3 2023) and $795.5M (Q4 2025), 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
$790.3M total assets against $777.8M; $691.6M total liabilities against $689.9M.
$384.9M net loans and leases against $392.9M; $678.1M total deposits against $679.0M.
$291.6M securities against $264.6M; $73.6M cash and balances due against $78.9M.
$9.8M total interest income against $9.9M; $1.7M total interest expense against $1.8M.
$8.1M net interest income against $8.1M.
$1.2M total noninterest income against $1.3M; $4.9M total noninterest expense against $4.8M.
$211K provision for credit losses against $119K.
$3.2M net income against $3.4M.
1.61% return on assets against 1.73%; 4.22% net interest margin against 4.30%.
22.73% CET1 capital ratio against 20.16%; 13.24% tier 1 leverage ratio against 12.06%.
Inside the full Citizens Trust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Trust Bank rankings
Its closest position to the top of a national ranking is 226 of 2,134, for CET1 ratio; its furthest is 1,260 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.51% (Q1 2026) to 2.06% (Q3 2024) and its net interest margin ran from 4.15% (Q1 2026) to 4.72% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.73% | 1.61% | 1.63% | 6.71% | 4.22% |
| Q1 2026 | 24.37% | 1.51% | 1.29% | 5.15% | 4.15% |
| Q4 2025 | 24.03% | 1.83% | 0.87% | 3.90% | 4.36% |
| Q3 2025 | 22.76% | 1.83% | 1.06% | 4.84% | 4.40% |
| Q2 2025 | 20.16% | 1.73% | 1.35% | 6.79% | 4.30% |
| Q1 2025 | 21.35% | 1.77% | 0.98% | 4.65% | 4.32% |
| Q4 2024 | 20.09% | 2.01% | 1.57% | 7.76% | 4.37% |
| Q3 2024 | 19.52% | 2.06% | 0.72% | 3.88% | 4.72% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 Trust Bank (main office) | Atlanta , GA | 30314 | $414.6M |
| Third Avenue Branch | Birmingham , AL | 35203 | $77.9M |
| Panola Road Branch | Lithonia , GA | 30058 | $62.1M |
| Cascade Branch | Atlanta , GA | 30331 | $51.0M |
| Rockbridge Plaza Branch | Stone Mountain , GA | 30087 | $29.4M |
| East Point Branch | East Point , GA | 30344 | $24.9M |
| Eutaw Branch | Eutaw , AL | 35462 | $18.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2003 | Structure Change | Acquired Citizens Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 11, 2000 | Structure Change | Acquired Mutual Federal Savings Bank of Atlanta Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 10, 2000 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 31, 1998 | Structure Change | Acquired First Southern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 30, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 23, 1994 | Structure Change | Acquired Southern Federal Savings Association of Georgia Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 22, 1994 | Merger | Rtc Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in GA, rank 41 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $382K approved, $382K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Trust Bank
What are Citizens Trust Bank's total assets?
As of the Q2 2026 filing, Citizens Trust Bank reported total assets of $790.3 million in its FFIEC call report.
Where is Citizens Trust Bank headquartered?
It is headquartered in Atlanta, GA, United States.
When was Citizens Trust Bank founded?
It was established in 1921, per the FDIC institution directory.
Is Citizens Trust Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8033). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Trust Bank?
Citizens Trust Bank's primary federal regulator is the Federal Reserve.
What is Citizens Trust Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Trust Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Trust Bank's Texas Ratio?
Its Texas Ratio is 6.71% 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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