Total Assets
$130M
Total balance-sheet footings
FDIC Cert #27153 · Trenton, Georgia · Est. 1988
Citizens Bank & Trust, Inc. - FDIC Bank Health Profile
A community-scale look at Citizens Bank & Trust, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $130M
- Total assets
- A
- Health grade · Excellent
- 1.70%
- Return on assets
- 22.3%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Bank & Trust, Inc. earns a PlainBankData health grade of A (97/100), with well-capitalized at 22.34% Tier 1, profitable at 1.70% ROA, efficient (59% cost ratio).
- #3,514
- largest of 4,313 FDIC banks by assets
- 18th
- percentile by asset size, nationally
- 22.34%
- Tier 1 ratio - above the 10% well-capitalized line
- 83rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Citizens Bank & Trust, Inc.'s 97/100 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 & Trust, Inc.'s composite health score
Tier 1 Capital Ratio (22.34%) 40/40
Return on Assets (ROA) (1.70%) 25/25
Texas Ratio (1.15%) 20/20
Efficiency Ratio (59.08%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$114M
Customer-funded liabilities
Net Loans
$81M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Bank & Trust, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank & Trust, Inc.'s score of 97/100 falls in the highlighted band.
Citizens Bank & Trust, Inc.'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 & Trust, Inc.'s $130M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
22.34% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.34%
Texas Ratio
1.15%
Equity Capital
$15M
Profitability metrics
Return on Assets (ROA)
83rd percentile nationally
1.70%
Return on Equity (ROE)
16.06%
Efficiency Ratio
59.08%
What the numbers say about Citizens Bank & Trust, Inc.
Citizens Bank & Trust, Inc. is an FDIC-insured institution (Certificate #27153) headquartered in Trenton, Georgia, established in 1988. It holds $130M in total assets - 3,514th of 4,313 FDIC-insured banks, $114M in customer deposits, and $81M in net loans. Capital-wise, the Tier 1 ratio sits at 22.34%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.15%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (97 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens Bank & Trust, Inc. is a community-scale institution -- 114th of 129 FDIC-insured banks headquartered in Georgia by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$8M
Interest Income
$1M
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank & Trust, Inc. reports a Texas Ratio of 1.15% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank & Trust, Inc. (FDIC Cert #27153) - 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 Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is Citizens Bank & Trust, Inc.'s health grade?▼
Citizens Bank & Trust, Inc. receives a health grade of A (97/100) 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 & Trust, Inc.?▼
Citizens Bank & Trust, Inc. holds $130M in total assets and $114M in deposits, ranking 3,514th of 4,313 FDIC-insured banks by asset size. It is headquartered in Trenton, Georgia.
Is my money safe at Citizens Bank & Trust, Inc.?▼
Yes, deposits at Citizens Bank & Trust, Inc. (Certificate #27153) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Bank & Trust, Inc.'s Tier 1 Capital Ratio?▼
Citizens Bank & Trust, Inc. has a Tier 1 Capital Ratio of 22.34%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens Bank & Trust, Inc.?▼
Citizens Bank & Trust, Inc. has a Texas Ratio of 1.15%. Staying under 50% is the level analysts treat as 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 & Trust, Inc.?▼
Citizens Bank & Trust, Inc. has an Efficiency Ratio of 59.08%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Bank & Trust, Inc.'s profile as a depositor or analyst.
- Citizens Bank & Trust, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Bank & Trust, Inc. against other Georgia banks before moving funds. Georgia 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.