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Citizens Bank And Trust
Frostproof, FL · FDIC Certificate #5673 · Chartered 05/1
Total assets
$1.48B
Total deposits
$1.40B
Total equity
$60.76M
Net loans
$874.39M
Branches (offices)
16
Net income (YTD)
$10.50M
Rank: #748 of 4,213 U.S. banks by assets · #24 of 81 in Florida. Assets changed 6.2% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.43% |
| Return on equity | 36.22% |
| Net interest margin (YTD) | 3.25% |
| Equity to assets | 4.11% |
| Tier 1 leverage ratio | 8.04% |
| Uninsured deposits (share of deposits) | 31.5% |
| Noncurrent loans (share of loans) | 0.35% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 62.6% |
| Real estate loans (share of loans) | 75.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $661.75M | 75.7% | |
| Commercial & industrial | $98.11M | 11.2% | |
| Consumer / individual | $104.46M | 11.9% | |
| Construction & development | $54.23M | 6.2% | |
| Agricultural | $1.57M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.29B | $1.18B | $6.49M | $28.41M |
| Jun 2023 | $1.30B | $1.25B | $5.23M | $6.48M |
| Jun 2024 | $1.34B | $1.30B | $3.93M | $15.14M |
| Jun 2025 | $1.39B | $1.33B | $6.82M | $41.62M |
| Jun 2026 | $1.48B | $1.40B | $10.50M | $60.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $1.40B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.40B.
Similar-sized banks
United Bank ($1.48B) · Union County Savings Bank ($1.48B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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