Citizens Bank and Trust Company
Blackstone, VA
IDRSSD: 991621
Total Assets
$568.83M
Latest filing
Total Deposits
$480.25M
Latest filing
Net Interest Margin
4.44%
Profitability
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 11/14/2025Established 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 | 89 |
| 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 | 11/14/2025 |
| CERT | 823 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $568.83M |
| Total Deposits | $480.25M |
| Total Liabilities | $492.00M |
| Total Equity Capital | $76.83M |
| Net Income | $2.63M |
| Net Loans and Leases | $272.70M |
| Assets Per Employee ($Millions) | $6.32M |
| Bank Premises and Fixed Assets | $7.66M |
| Cash and Balances due from Depository Institutions | $7.55M |
| Deposits Held in Domestic Offices | $480.25M |
Key Performance Ratios
| Return on Assets (ROA) | 1.86% |
| Return on Equity (ROE) | 14.05% |
| Net Interest Margin | 4.44% |
| Efficiency Ratio | 49.8% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.507% |
| Earning Assets to total Assets | 93% |
Income and Expense
| Total Interest Income | $7.01M |
| Total Noninterest Income | $791.00k |
| Total Interest Expense | $1.18M |
| Total Noninterest Expense | $3.30M |
| Net Interest Income | $5.83M |
| Pre-tax Net Operating Income | $3.26M |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $534.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $45.22M |
| Federal Funds Purchased and Repurchased Agreement | $8.47M |
| All Other Liabilities | $3.27M |
| Total Liabilities and Capital | $568.83M |
Securities
| Securities | $210.55M |
| Available-for-sale debt securities | $210.55M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$568.83M as of the latest filing.
How much are Citizens Bank and Trust Company's total deposits?
$480.25M in total deposits.
Where is Citizens Bank and Trust Company located?
Blackstone, VA.
What is the Net Interest Margin?
4.44%.
How many domestic offices does it operate?
12.
When was it established?
07/15/1873.
What is the Return on Assets (ROA)?
1.86%.
How much are total loans and leases?
$272.70M (latest filing).
What is the total interest income (latest filing)?
$7.01M.