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Citizens Bank & Trust
Guntersville, AL · FDIC Certificate #57483 · Chartered 03/0
Total assets
$1.20B
Total deposits
$1.10B
Total equity
$75.67M
Net loans
$617.43M
Branches (offices)
10
Net income (YTD)
$3.47M
Rank: #893 of 4,213 U.S. banks by assets · #13 of 93 in Alabama. Assets changed 10.4% and deposits 10.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.60% |
| Return on equity | 9.27% |
| Net interest margin (YTD) | 2.76% |
| Equity to assets | 6.30% |
| Tier 1 leverage ratio | 8.93% |
| Uninsured deposits (share of deposits) | 30.3% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 56.0% |
| Real estate loans (share of loans) | 84.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $522.18M | 84.6% | |
| Commercial & industrial | $74.72M | 12.1% | |
| Consumer / individual | $18.78M | 3.0% | |
| Construction & development | $41.04M | 6.6% | |
| Agricultural | $2.97M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $964.98M | $841.91M | $4.32M | $46.06M |
| Jun 2023 | $1.04B | $885.53M | $2.63M | $48.67M |
| Jun 2024 | $1.05B | $903.03M | $2.90M | $56.05M |
| Jun 2025 | $1.09B | $994.00M | $2.98M | $64.38M |
| Jun 2026 | $1.20B | $1.10B | $3.47M | $75.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $1.10B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.10B.
Similar-sized banks
Dime Bank ($1.21B) · Solvay Bank ($1.20B)
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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