Citizens Bank and Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Citizens Bank and Trust is a community bank chartered in 1920, based in Frostproof, FL. On its most recent Q2 2026 call report, Citizens Bank and Trust reported $1.5B in total assets against $1.4B in deposits. Profitability is strong, 1.35% ROA, paired with 34.86% ROE and a 3.18% net interest margin. Regulatory capital is solid, 12.65% CET1 and 13.71% total risk-based capital ratio. Asset quality is solid, 0.50% nonperforming loans and a 6.37% Texas Ratio. Its footprint covers 17 branches concentrated in Florida.
As of June 30, 2026, Citizens Bank and Trust reported a CET1 capital ratio of 12.65%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.50%, a Texas ratio of 6.37%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 2 E Wall St, Frostproof, FL 33843
- County
- Polk
- Metro Area
- Lakeland-Winter Haven, FL
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 13, 1920
- Offices
- 17 domestic
- Employees (FTE)
- 196
- Domestic deposits
- $1.40B
- Allowance for credit losses
- $9.7M
- Net charge-offs (YTD)
- $272K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5673
- Fed RSSD
- 701839
- SEC CIK
- 1478819 → filed by CITIZENS BANKING CORPORATION
- Website
- http://www.citizens-bank.com →
- Parent Holding Company
- CITIZENS BANKING CORPORATION (RSSD 3200874)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens Bank and Trust terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.65% | 1.35% | 0.50% | 6.37% | 3.18% |
| Q1 2026 | 12.50% | 1.41% | 0.89% | 11.28% | 3.11% |
| Q4 2025 | 12.17% | 0.91% | 1.10% | 14.36% | 3.07% |
| Q3 2025 | 12.21% | 1.15% | 0.97% | 13.66% | 3.03% |
| Q2 2025 | 11.89% | 0.93% | 1.76% | 29.07% | 3.00% |
| Q1 2025 | 12.21% | 0.94% | 2.44% | 44.09% | 2.91% |
| Q4 2024 | 12.08% | 0.86% | 2.57% | 62.44% | 2.63% |
| Q3 2024 | 12.00% | 0.57% | 2.95% | 51.90% | 2.39% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 16 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lake Wales Branch | Lake Wales , FL | 33853 | $193.7M |
| Haines City Branch | Haines City , FL | 33844 | $158.8M |
| Winter Haven Branch | Winter Haven , FL | 33880 | $150.4M |
| Bartow Office Branch | Bartow , FL | 33830 | $147.6M |
| Downtown Lakeland Branch | Lakeland , FL | 33801 | $108.6M |
| Auburndale Branch | Auburndale , FL | 33823 | $107.7M |
| Edgewood Branch | Lakeland , FL | 33803 | $104.7M |
| Citizens Bank and Trust (main office) | Frostproof , FL | 33843 | $78.9M |
| Dundee Branch | Dundee , FL | 33838 | $58.2M |
| Chalet Suzanne Branch | Lake Wales , FL | 33859 | $54.0M |
| South Lakeland Branch | Lakeland , FL | 33813 | $51.3M |
| Plant City Branch | Plant City , FL | 33566 | $50.0M |
| Winterset Branch | Winter Haven , FL | 33884 | $46.3M |
| Ft. Meade Branch | Fort Meade , FL | 33841 | $39.4M |
| Brandon Branch | Valrico , FL | 33596 | $39.4M |
| Dade City Branch | Dade City , FL | 33525 | $8.8M |
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 |
|---|---|---|---|
| June 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2004 | Structure Change | Acquired American Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Citizens Bank and Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in FL, rank 55 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 233 applications, 166 loans originated, $57.0M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens Bank and Trust
What are Citizens Bank and Trust's total assets?
As of the Q2 2026 filing, Citizens Bank and Trust reported total assets of $1.48 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank and Trust headquartered?
Citizens Bank and Trust is headquartered in Frostproof, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Bank and Trust founded?
Citizens Bank and Trust was established in 1920, per the FDIC institution directory.
Is Citizens Bank and Trust FDIC-insured?
Yes. Citizens Bank and Trust is an FDIC-insured commercial bank (FDIC Certificate #5673). 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?
Citizens Bank and Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank and Trust's CET1 capital ratio?
Citizens Bank and Trust reported a Common Equity Tier 1 (CET1) capital ratio of 12.65% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens Bank and Trust operate?
Citizens Bank and Trust operates 17 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's Texas Ratio?
Citizens Bank and Trust's Texas Ratio is 6.37% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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