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Citizens Trust Bank
Atlanta, GA · FDIC Certificate #8033 · Chartered 06/1
Total assets
$790.29M
Total deposits
$678.13M
Total equity
$98.71M
Net loans
$384.94M
Branches (offices)
7
Net income (YTD)
$6.24M
Rank: #1,268 of 4,213 U.S. banks by assets · #19 of 123 in Georgia. Assets changed 1.6% and deposits -0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.58% |
| Return on equity | 12.31% |
| Net interest margin (YTD) | 4.28% |
| Equity to assets | 12.49% |
| Tier 1 leverage ratio | 13.24% |
| Uninsured deposits (share of deposits) | 48.1% |
| Noncurrent loans (share of loans) | 1.63% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 56.8% |
| Real estate loans (share of loans) | 70.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $271.68M | 70.6% | |
| Commercial & industrial | $105.19M | 27.3% | |
| Consumer / individual | $13.55M | 3.5% | |
| Construction & development | $47.72M | 12.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $832.85M | $766.19M | $3.41M | $56.28M |
| Jun 2023 | $725.77M | $649.19M | $7.32M | $65.77M |
| Jun 2024 | $757.02M | $661.67M | $8.14M | $77.75M |
| Jun 2025 | $777.82M | $679.00M | $6.88M | $87.92M |
| Jun 2026 | $790.29M | $678.13M | $6.24M | $98.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $582.05M | 5 |
| Alabama | $96.08M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $678.13M.
Similar-sized banks
Farmers State Bank ($790.33M) · Reliabank Dakota ($788.41M)
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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