Citizens Bank & Trust, Inc.
Trenton, GA
IDRSSD: 1163283
Total Assets
$128.53M
Latest filing
Total Deposits
$113.31M
Latest filing
Net Interest Margin
5.48%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank & Trust, Inc.
12255 S Main St
Trenton, GA 30752
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/18/1988FDIC Certificate 38968
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank & Trust, Inc. (Main) | 12255 S Main St | Trenton, GA |
| LOOKOUT MOUNTAIN BRANCH | 107 Mcfarland Rd | Lookout Mountain, GA |
| SAND MOUNTAIN BRANCH | 29316 Al Highway 71 | Higdon, AL |
Showing 2 of 2
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Bank of Dade
Trenton, Georgia
→
Assets: $151.36MΔ +16.8%
The Citizens National Bank of Quitman
Quitman, Georgia
→
Assets: $131.64MΔ +1.6%
Planters and Citizens Bank
Camilla, Georgia
→
Assets: $144.22MΔ +11.3%
Bank of Hazlehurst
Hazlehurst, Georgia
→
Assets: $144.83MΔ +11.8%
Moultrie Bank & Trust
Moultrie, Georgia
→
Assets: $145.57MΔ +12.3%
The Merchants & Citizens Bank
Mcrae, Georgia
→
Assets: $147.29MΔ +13.7%
Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/18/1988 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30752 |
| State and County Number | 13083 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Chattanooga, TN-GA |
Operational Info
| Number of Employees | 40 |
| Domestic Offices | 3 |
| 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 | 02/01/1996 |
| Primary Insurance Agency | DIF |
| Website | www.citizensbanktrenton.com |
| Data Updated | 11/14/2025 |
| CERT | 27153 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $128.53M |
| Total Deposits | $113.31M |
| Total Liabilities | $113.91M |
| Total Equity Capital | $14.62M |
| Net Income | $530.00k |
| Net Loans and Leases | $81.26M |
| Assets Per Employee ($Millions) | $3.3M |
| Bank Premises and Fixed Assets | $1.43M |
| Cash and Balances due from Depository Institutions | $9.00M |
| Deposits Held in Domestic Offices | $113.31M |
Key Performance Ratios
| Return on Assets (ROA) | 1.64% |
| Return on Equity (ROE) | 14.94% |
| Net Interest Margin | 5.48% |
| Efficiency Ratio | 61.46% |
| Tier 1 Risk-Based Capital Ratio | 21.657% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.378% |
| Earning Assets to total Assets | 94.05% |
Income and Expense
| Total Interest Income | $1.92M |
| Total Noninterest Income | $265.00k |
| Total Interest Expense | $252.00k |
| Total Noninterest Expense | $1.19M |
| Net Interest Income | $1.67M |
| Pre-tax Net Operating Income | $712.00k |
| Provision for Credit Losses | $33.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.24M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $595.00k |
| Total Liabilities and Capital | $128.53M |
Securities
| Securities | $33.32M |
| Available-for-sale debt securities | $23.93M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $9.38M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank & Trust, Inc.?
$128.53M as of the latest filing.
How much are Citizens Bank & Trust, Inc.'s total deposits?
$113.31M in total deposits.
Where is Citizens Bank & Trust, Inc. located?
Trenton, GA.
What is the Net Interest Margin?
5.48%.
How many domestic offices does it operate?
3.
When was it established?
01/18/1988.
What is the Return on Assets (ROA)?
1.64%.
How much are total loans and leases?
$81.26M (latest filing).
What is the total interest income (latest filing)?
$1.92M.