Citizens Trust Bank
Atlanta, GA
IDRSSD: 680130
Total Assets
$795.55M
Latest filing
Total Deposits
$682.47M
Latest filing
Net Interest Margin
4.42%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Trust Bank
965 Martin Luther King Jr Dr Nw
Atlanta, GA 30314
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/18/1921FDIC Certificate 5114
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Trust Bank (Main) | 965 Martin Luther King Jr Dr Nw | Atlanta, GA |
| EAST POINT BRANCH | 2840 E Point St | East Point, GA |
| ROCKBRIDGE PLAZA BRANCH | 5771 Rockbridge Rd | Stone Mountain, GA |
| EUTAW BRANCH | 213 Main St | Eutaw, AL |
| PANOLA ROAD BRANCH | 2727 Panola Rd | Lithonia, GA |
| THIRD AVENUE BRANCH | 1700 3rd Ave N | Birmingham, AL |
| CASCADE BRANCH | 3705 Cascade Rd Sw | Atlanta, GA |
Showing 6 of 6
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 | 06/18/1921 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30314 |
| State and County Number | 13121 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| 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 | Atlanta-Sandy Springs-Alpharetta, GA |
Operational Info
| Number of Employees | 88 |
| Domestic Offices | 7 |
| 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 | www.ctbconnect.com |
| Data Updated | 01/30/2026 |
| CERT | 8033 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $795.55M |
| Total Deposits | $682.47M |
| Total Liabilities | $693.75M |
| Total Equity Capital | $101.80M |
| Net Income | $3.59M |
| Net Loans and Leases | $375.89M |
| Assets Per Employee ($Millions) | $9.47M |
| Bank Premises and Fixed Assets | $5.73M |
| Cash and Balances due from Depository Institutions | $66.31M |
| Deposits Held in Domestic Offices | $682.47M |
Key Performance Ratios
| Return on Assets (ROA) | 1.84% |
| Return on Equity (ROE) | 14.39% |
| Net Interest Margin | 4.42% |
| Efficiency Ratio | 50.5% |
| Tier 1 Risk-Based Capital Ratio | 24.032% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.796% |
| Earning Assets to total Assets | 94.7% |
Income and Expense
| Total Interest Income | $9.84M |
| Total Noninterest Income | $1.47M |
| Total Interest Expense | $1.69M |
| Total Noninterest Expense | $4.86M |
| Net Interest Income | $8.16M |
| Pre-tax Net Operating Income | $4.66M |
| Provision for Credit Losses | $108.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $831.00k |
| Other borrowed funds | $789.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $36.74M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.49M |
| Total Liabilities and Capital | $795.55M |
Securities
| Securities | $276.67M |
| Available-for-sale debt securities | $276.67M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 Trust Bank?
$795.55M as of the latest filing.
How much are Citizens Trust Bank's total deposits?
$682.47M in total deposits.
Where is Citizens Trust Bank located?
Atlanta, GA.
What is the Net Interest Margin?
4.42%.
How many domestic offices does it operate?
7.
When was it established?
06/18/1921.
What is the Return on Assets (ROA)?
1.84%.
How much are total loans and leases?
$375.89M (latest filing).
What is the total interest income (latest filing)?
$9.84M.