Citizens Bank & Trust, Inc.
Trenton, GA
IDRSSD: 1163283
Total Assets
$130.34M
Latest filing
Total Deposits
$114.50M
Latest filing
Net Interest Margin
5.54%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061103739TRENTON, GA
Key People
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Locations
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Main Office
Citizens Bank & Trust, Inc.
12255 S Main St
Trenton, GA 30752
Full Service - Brick and Mortar
Updated 01/30/2026Established 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
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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 | 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 | 39 |
| 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 | 01/30/2026 |
| CERT | 27153 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $130.34M |
| Total Deposits | $114.50M |
| Total Liabilities | $115.03M |
| Total Equity Capital | $15.30M |
| Net Income | $574.00k |
| Net Loans and Leases | $81.04M |
| Assets Per Employee ($Millions) | $3.34M |
| Bank Premises and Fixed Assets | $1.43M |
| Cash and Balances due from Depository Institutions | $10.74M |
| Deposits Held in Domestic Offices | $114.50M |
Key Performance Ratios
| Return on Assets (ROA) | 1.77% |
| Return on Equity (ROE) | 15.34% |
| Net Interest Margin | 5.54% |
| Efficiency Ratio | 56.68% |
| Tier 1 Risk-Based Capital Ratio | 22.337% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.741% |
| Earning Assets to total Assets | 93.67% |
Income and Expense
| Total Interest Income | $1.94M |
| Total Noninterest Income | $246.00k |
| Total Interest Expense | $251.00k |
| Total Noninterest Expense | $1.09M |
| Net Interest Income | $1.68M |
| Pre-tax Net Operating Income | $763.00k |
| Provision for Credit Losses | $73.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.95M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $536.00k |
| Total Liabilities and Capital | $130.34M |
Securities
| Securities | $31.95M |
| Available-for-sale debt securities | $22.82M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $9.13M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank & Trust, Inc.?
$130.34M as of the latest filing.
How much are Citizens Bank & Trust, Inc.'s total deposits?
$114.50M in total deposits.
Where is Citizens Bank & Trust, Inc. located?
Trenton, GA.
What is the Net Interest Margin?
5.54%.
How many domestic offices does it operate?
3.
When was it established?
01/18/1988.
What is the Return on Assets (ROA)?
1.77%.
How much are total loans and leases?
$81.04M (latest filing).
What is the total interest income (latest filing)?
$1.94M.