Citizens Bank & Trust
Guntersville, AL
IDRSSD: 3174920
Total Assets
$1.10B
Latest filing
Total Deposits
$997.31M
Latest filing
Net Interest Margin
2.84%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank & Trust
711 Gunter Ave
Guntersville, AL 35976
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/03/2003FDIC Certificate 364141
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Citizens Bank & Trust (Main) | 711 Gunter Ave | Guntersville, AL |
| ARAB BRANCH | 1205 N Brindlee Mountain Pkwy | Arab, AL |
| ALBERTVILLE BRANCH | 324 N Broad St | Albertville, AL |
| HAZEL GREEN BRANCH | 13870 Highway 231 431 N | Hazel Green, AL |
| ROGERSVILLE BRANCH | 1565 Lee St | Rogersville, AL |
| ELKMONT BRANCH | 25530 Alabama Highway 127 | Elkmont, AL |
| CULLMAN BRANCH | 223 2nd Ave Se | Cullman, AL |
| NEW HOPE BRANCH HWY 431 SOUTH | 4615 Main Dr | New Hope, AL |
Showing 7 of 9
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/03/2003 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35976 |
| State and County Number | 01095 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Albertville, AL |
Operational Info
| Number of Employees | 149 |
| Domestic Offices | 10 |
| 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 | 03/03/2003 |
| Primary Insurance Agency | DIF |
| Website | http://www.citizensbanktrust.com |
| Data Updated | 11/14/2025 |
| CERT | 57483 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.10B |
| Total Deposits | $997.31M |
| Total Liabilities | $1.03B |
| Total Equity Capital | $71.54M |
| Net Income | $1.62M |
| Net Loans and Leases | $604.42M |
| Assets Per Employee ($Millions) | $7.18M |
| Bank Premises and Fixed Assets | $25.05M |
| Cash and Balances due from Depository Institutions | $114.73M |
| Deposits Held in Domestic Offices | $997.31M |
Key Performance Ratios
| Return on Assets (ROA) | 0.59% |
| Return on Equity (ROE) | 9.55% |
| Net Interest Margin | 2.84% |
| Efficiency Ratio | 76.73% |
| Tier 1 Risk-Based Capital Ratio | 14.663% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.514% |
| Earning Assets to total Assets | 91.93% |
Income and Expense
| Total Interest Income | $12.54M |
| Total Noninterest Income | $1.41M |
| Total Interest Expense | $5.43M |
| Total Noninterest Expense | $6.54M |
| Net Interest Income | $7.11M |
| Pre-tax Net Operating Income | $1.98M |
| Provision for Credit Losses | $0 |
| 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 | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.38M |
| Federal Funds Purchased and Repurchased Agreement | $2.91M |
| All Other Liabilities | $6.48M |
| Total Liabilities and Capital | $1.10B |
Securities
| Securities | $303.98M |
| Available-for-sale debt securities | $269.89M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $34.09M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank & Trust?
$1.10B as of the latest filing.
How much are Citizens Bank & Trust's total deposits?
$997.31M in total deposits.
Where is Citizens Bank & Trust located?
Guntersville, AL.
What is the Net Interest Margin?
2.84%.
How many domestic offices does it operate?
10.
When was it established?
03/03/2003.
What is the Return on Assets (ROA)?
0.59%.
How much are total loans and leases?
$604.42M (latest filing).
What is the total interest income (latest filing)?
$12.54M.