Total Assets
$578M
Total balance-sheet footings
FDIC Cert #823 · Blackstone, Virginia · Est. 1873
Citizens Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at Citizens Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $578M
- Total assets
- A
- Health grade · Excellent
- 1.80%
- Return on assets
- 14.8%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Bank and Trust Company earns a PlainBankData health grade of A (92/100), with well-capitalized at 14.83% Tier 1, profitable at 1.80% ROA, efficient (50% cost ratio).
- #1,620
- largest of 4,313 FDIC banks by assets
- 62nd
- percentile by asset size, nationally
- 14.83%
- Tier 1 ratio - above the 10% well-capitalized line
- 85th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Citizens Bank and Trust Company's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Bank and Trust Company's composite health score
Tier 1 Capital Ratio (14.83%) 35/40
Return on Assets (ROA) (1.80%) 25/25
Texas Ratio (0.84%) 20/20
Efficiency Ratio (50.32%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$488M
Customer-funded liabilities
Net Loans
$276M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank and Trust Company's score of 92/100 falls in the highlighted band.
Citizens Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank and Trust Company's $578M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.83%
Texas Ratio
0.84%
Equity Capital
$80M
Profitability metrics
Return on Assets (ROA)
85th percentile nationally
1.80%
Return on Equity (ROE)
13.86%
Efficiency Ratio
50.32%
What the numbers say about Citizens Bank and Trust Company
Citizens Bank and Trust Company is an FDIC-insured institution (Certificate #823) headquartered in Blackstone, Virginia, established in 1873. It holds $578M in total assets - 1,620th of 4,313 FDIC-insured banks, $488M in customer deposits, and $276M in net loans. Looking at capital strength, Tier 1 stands at 14.83%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.84%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Virginia, Citizens Bank and Trust Company ranks 36th of 56 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$27M
Interest Income
$3M
Non-Interest Income
$13M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank and Trust Company reports a Texas Ratio of 0.84% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.84% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank and Trust Company (FDIC Cert #823) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Virginia
All Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capital One, National AssociationMclean | $658.5B | B | 0.55% |
| HSBC Bank USA, National AssociationTysons | $165.3B | A | 0.92% |
| Atlantic Union BankRichmond City | $37.5B | A | 0.99% |
| United BankFairfax | $33.5B | A | 1.50% |
| TowneBankPortsmouth | $19.7B | B | 0.90% |
| Burke & Herbert Bank & Trust CompanyAlexandria | $7.9B | A | 1.69% |
| Carter Bank & TrustMartinsville | $4.8B | D | 0.72% |
| The First Bank and Trust CompanyLebanon | $4.2B | A | 1.62% |
Frequently asked questions
What is Citizens Bank and Trust Company's health grade?▼
Citizens Bank and Trust Company receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens Bank and Trust Company?▼
Citizens Bank and Trust Company holds $578M in total assets and $488M in deposits, ranking 1,620th of 4,313 FDIC-insured banks by asset size. It is headquartered in Blackstone, Virginia.
Is my money safe at Citizens Bank and Trust Company?▼
Yes, deposits at Citizens Bank and Trust Company (Certificate #823) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Bank and Trust Company's Tier 1 Capital Ratio?▼
Citizens Bank and Trust Company has a Tier 1 Capital Ratio of 14.83%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens Bank and Trust Company?▼
Citizens Bank and Trust Company has a Texas Ratio of 0.84%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Bank and Trust Company?▼
Citizens Bank and Trust Company has an Efficiency Ratio of 50.32%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Bank and Trust Company's profile as a depositor or analyst.
- Citizens Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Bank and Trust Company against other Virginia banks before moving funds. Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.