FDIC Cert #8033 · Atlanta, Georgia · Est. 1921

Citizens Trust Bank - FDIC Bank Health Profile

A community-scale look at Citizens Trust Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$796M
Total assets
A
Health grade · Excellent
1.80%
Return on assets
24.0%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Trust Bank earns a PlainBankData health grade of A (97/100), with well-capitalized at 24.03% Tier 1, profitable at 1.80% ROA, efficient (51% cost ratio).

#1,267
largest of 4,313 FDIC banks by assets
71st
percentile by asset size, nationally
24.03%
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.

FDIC Call Report plate

Cert 8033 · GA A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #178/4307
  • PHOTO-FINISH The Garrett State Bank · IN
  • TIER1-WELL 24.0% Tier 1
  • TEXAS-CLEAN 3.1% Texas
  • ROA-STRONG 1.80% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: The Garrett State Bank, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Trust Bank

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Trust Bank · GA · t…97/100Nebraska State Bank… · NE · …97/100Security Bank and Tr… · KY ·…97/100The Garrett State Bank · IN …97/100The National Bank of… · PA ·…97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Trust Bank · July 2026

Call Report read for Citizens Trust Bank in a high-failure state

Citizens Trust Bank (FDIC Cert #8033) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #178 of 4,307. Tier 1 capital prints at 24.03%, clearing the 10% well-capitalized line. The Texas Ratio is 3.11%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.80%. Balance-sheet scale is $796M, 1,267th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Garrett State Bank (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Trust Bank

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

Citizens Trust Bank sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about Citizens Trust Bank's current Call Report.

  • THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
  • CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
  • THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.

How Citizens Trust Bank'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.

0/100100/100National avg77/10097/100
Citizens Trust Bank's composite health score
Tier 1 Capital Ratio (24.03%) 40/40
Return on Assets (ROA) (1.80%) 25/25
Texas Ratio (3.11%) 20/20
Efficiency Ratio (50.56%) 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 Assets

$796M

Total balance-sheet footings

Total Deposits

$682M

Customer-funded liabilities

Net Loans

$376M

Outstanding loan book

Net Income

$14M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 22.63% 24.03% 25.43%
Basel III capital ratios - Citizens Trust Bank

Where Citizens Trust Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Trust Bank's score of 97/100 falls in the highlighted band.

Citizens Trust Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 4% higher than 96% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Citizens Trust Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens Trust Bank'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 Trust Bank's $796M falls in the highlighted band.

Capital & credit buffers at Citizens Trust Bank

Tier 1 capital ratio
Well-capitalized 10%

24.03% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
24.03%
Texas Ratio
3.11%
Equity Capital
$102M

What these ratios mean →

Earnings posture at Citizens Trust Bank

Return on Assets (ROA)
85th percentile nationally
1.80%
Return on Equity (ROE)
15.10%
Efficiency Ratio
50.56%

What these mean →

Income & expense at Citizens Trust Bank

$39M
Interest Income
$5M
Non-Interest Income
$19M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Trust Bank reports a Texas Ratio of 3.11% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.11% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Trust Bank on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($796M here), outside Georgia so the neighborhood is not state containment.

First Savings Bank of Hegewisch $794M · IL FCN Bank $793M · IN Royal Bank $799M · WI Bank of Bridger $799M · MT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Trust Bank (FDIC Cert #8033) - 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.

Citizens Trust Bank Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Georgia

All Georgia banks →
BankAssetsGradeROA
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%