Citizens Bank and Trust Company
Blackstone, VA
IDRSSD: 991621
Total Assets
$578.36M
Latest filing
Total Deposits
$487.62M
Latest filing
Net Interest Margin
4.45%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank and Trust Company
126 S Main St
Blackstone, VA 23824
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/15/1873FDIC Certificate 518
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Citizens Bank and Trust Company (Main) | 126 S Main St | Blackstone, VA |
| DRIVE-IN BRANCH | 101 N Main St | Blackstone, VA |
| CREWE BRANCH | 210 Carter St | Crewe, VA |
| BURKEVILLE BRANCH | 102 2nd St Ne | Burkeville, VA |
| AMELIA BRANCH | 9060 N Five Forks Rd | Amelia Court House, VA |
| BLACKSTONE SHOPPING CENTER BRANCH | 1575 S Main St | Blackstone, VA |
| FARMVILLE BRANCH | 1517 W 3rd St | Farmville, VA |
| FARMVILLE BRANCH | 1712 S Main St | Farmville, VA |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 07/15/1873 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 23824 |
| State and County Number | 51135 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 90 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.cbtva.com |
| Data Updated | 01/30/2026 |
| CERT | 823 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $578.36M |
| Total Deposits | $487.62M |
| Total Liabilities | $498.78M |
| Total Equity Capital | $79.58M |
| Net Income | $2.40M |
| Net Loans and Leases | $276.43M |
| Assets Per Employee ($Millions) | $6.36M |
| Bank Premises and Fixed Assets | $7.75M |
| Cash and Balances due from Depository Institutions | $5.97M |
| Deposits Held in Domestic Offices | $487.62M |
Key Performance Ratios
| Return on Assets (ROA) | 1.67% |
| Return on Equity (ROE) | 12.25% |
| Net Interest Margin | 4.45% |
| Efficiency Ratio | 53.71% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.76% |
| Earning Assets to total Assets | 93.27% |
Income and Expense
| Total Interest Income | $7.13M |
| Total Noninterest Income | $689.00k |
| Total Interest Expense | $1.18M |
| Total Noninterest Expense | $3.56M |
| Net Interest Income | $5.95M |
| Pre-tax Net Operating Income | $2.97M |
| Provision for Credit Losses | $105.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $254.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $49.85M |
| Federal Funds Purchased and Repurchased Agreement | $8.07M |
| All Other Liabilities | $3.09M |
| Total Liabilities and Capital | $578.36M |
Securities
| Securities | $212.63M |
| Available-for-sale debt securities | $212.63M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank and Trust Company?
$578.36M as of the latest filing.
How much are Citizens Bank and Trust Company's total deposits?
$487.62M in total deposits.
Where is Citizens Bank and Trust Company located?
Blackstone, VA.
What is the Net Interest Margin?
4.45%.
How many domestic offices does it operate?
12.
When was it established?
07/15/1873.
What is the Return on Assets (ROA)?
1.67%.
How much are total loans and leases?
$276.43M (latest filing).
What is the total interest income (latest filing)?
$7.13M.