Citizens Bank and Trust
Frostproof, FL
IDRSSD: 701839
Total Assets
$1.45B
Latest filing
Total Deposits
$1.38B
Latest filing
Net Interest Margin
3.16%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank and Trust
2 E Wall St
Frostproof, FL 33843
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/13/1920FDIC Certificate 3859
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Citizens Bank and Trust (Main) | 2 E Wall St | Frostproof, FL |
| LAKE WALES BRANCH | 222 State Road 60 E | Lake Wales, FL |
| DUNDEE BRANCH | 1013 Highway 542 | Dundee, FL |
| HAINES CITY BRANCH | 36250 Us Hwy 27 N | Haines City, FL |
| WINTER HAVEN BRANCH | 1120 1st St S | Winter Haven, FL |
| CHALET SUZANNE BRANCH | 23725 Hwy 27 | Lake Wales, FL |
| AUBURNDALE BRANCH | 211 Havendale Blvd | Auburndale, FL |
| MESSENGER SERVICE | 222 State Road 60 E | Lake Wales, FL |
Showing 7 of 16
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 | 05/13/1920 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 33843 |
| State and County Number | 12105 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| 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 | Lakeland-Winter Haven, FL |
Operational Info
| Number of Employees | 186 |
| Domestic Offices | 17 |
| 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.citizens-bank.com |
| Data Updated | 11/14/2025 |
| CERT | 5673 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.45B |
| Total Deposits | $1.38B |
| Total Liabilities | $1.40B |
| Total Equity Capital | $50.16M |
| Net Income | $4.30M |
| Net Loans and Leases | $828.32M |
| Assets Per Employee ($Millions) | $7.69M |
| Bank Premises and Fixed Assets | $18.04M |
| Cash and Balances due from Depository Institutions | $85.60M |
| Deposits Held in Domestic Offices | $1.38B |
Key Performance Ratios
| Return on Assets (ROA) | 1.21% |
| Return on Equity (ROE) | 37.51% |
| Net Interest Margin | 3.16% |
| Efficiency Ratio | 66.18% |
| Tier 1 Risk-Based Capital Ratio | 12.213% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 3.449% |
| Earning Assets to total Assets | 96.35% |
Income and Expense
| Total Interest Income | $16.34M |
| Total Noninterest Income | $2.85M |
| Total Interest Expense | $5.49M |
| Total Noninterest Expense | $9.07M |
| Net Interest Income | $10.85M |
| Pre-tax Net Operating Income | $4.30M |
| Provision for Credit Losses | $333.00k |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $12.93M |
| All Other Liabilities | $14.16M |
| Total Liabilities and Capital | $1.45B |
Securities
| Securities | $492.68M |
| Available-for-sale debt securities | $492.68M |
| 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?
$1.45B as of the latest filing.
How much are Citizens Bank and Trust's total deposits?
$1.38B in total deposits.
Where is Citizens Bank and Trust located?
Frostproof, FL.
What is the Net Interest Margin?
3.16%.
How many domestic offices does it operate?
17.
When was it established?
05/13/1920.
What is the Return on Assets (ROA)?
1.21%.
How much are total loans and leases?
$828.32M (latest filing).
What is the total interest income (latest filing)?
$16.34M.