Citizens Bank and Trust is a state-chartered bank headquartered in Frostproof, Florida, in business for about 106 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.4B in deposits, with 17 offices.
Citizens Bank and Trust has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 47th. Problem-loan coverage contributes the most (91/100, 4.5%); capital cushion contributes the least (30/100, 8.04%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (57 → 67), mostly because the problem-loan coverage component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 40 |
| Q3 2024 | 42 |
| Q4 2024 | 44 |
| Q1 2025 | 50 |
| Q2 2025 | 57 |
| Q3 2025 | 64 |
| Q4 2025 | 62 |
| Q1 2026 | 68 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.39% |
| Q3 2024 | 7.44% |
| Q4 2024 | 7.51% |
| Q1 2025 | 7.65% |
| Q2 2025 | 7.65% |
| Q3 2025 | 7.66% |
| Q4 2025 | 7.72% |
| Q1 2026 | 7.88% |
| Q2 2026 | 8.04% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.64% |
| Q3 2024 | 1.82% |
| Q4 2024 | 1.61% |
| Q1 2025 | 1.51% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.35% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.99% |
| Q2 2025 | 0.99% |
| Q3 2025 | 1.06% |
| Q4 2025 | 1.03% |
| Q1 2026 | 1.46% |
| Q2 2026 | 1.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $1.5B | 8.04% | 0.35% | 1.43% | 62.6% |
| Q1 2026 | 68 | $1.5B | 7.88% | 0.37% | 1.46% | 60.4% |
| Q4 2025 | 62 | $1.4B | 7.72% | 0.49% | 1.03% | 61.8% |
| Q3 2025 | 64 | $1.5B | 7.66% | 0.32% | 1.06% | 60.2% |
| Q2 2025 | 57 | $1.4B | 7.65% | 0.87% | 0.99% | 62.3% |
| Q1 2025 | 50 | $1.4B | 7.65% | 1.51% | 0.99% | 59.2% |
| Q4 2024 | 44 | $1.3B | 7.51% | 1.61% | 0.68% | 59.6% |
| Q3 2024 | 42 | $1.4B | 7.44% | 1.82% | 0.59% | 59.3% |
| Q2 2024 | 40 | $1.3B | 7.39% | 1.64% | 0.59% | 57.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Grove Bank & TrustBank Miami, FL | 68 out of 100, Moderate | $1.4B | 10.0% | 0.01% | vs |
| OptimumBankBank Fort Lauderdale, FL | 76 out of 100, Strong | $1.4B | 10.5% | 0.18% | vs |
| Pacific National BankBank Miami, FL | 77 out of 100, Strong | $1.6B | 10.8% | 0.01% | vs |
| International Finance BankBank Miami, FL | 66 out of 100, Moderate | $1.6B | 8.3% | 0.30% | vs |
| Bank of Central FloridaBank Lakeland, FL | 69 out of 100, Moderate | $1.2B | 8.7% | 0.21% | vs |
| Helm Bank USABank Miami, FL | 59 out of 100, Moderate | $1.2B | 11.2% | 1.65% | vs |
Deposit insurance
Is my money safe at Citizens Bank and Trust?
Yes. Citizens Bank and Trust is an FDIC-insured institution (FDIC certificate #5673). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.5% of deposits ($440.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.04%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.71% (benchmark: 10%).
17 locations
Branches
Citizens Bank and Trust lists 16 offices in 12 cities. Most locations:
- Lakeland, FL (3)
- Lake Wales, FL (2)
- Winter Haven, FL (2)
- Auburndale, FL (1)
- Bartow, FL (1)
- Dade City, FL (1)
- Dundee, FL (1)
- Fort Meade, FL (1)
- Frostproof, FL (1)
- Haines City, FL (1)
- Plant City, FL (1)
- Valrico, FL (1)
HMDA 2025
Mortgage lending
In 2025, Citizens Bank and Trust reported 229 home-loan applications under HMDA (LEI 549300IRRKG7NTX2YD83): 167 originated ($57,775,000 total), 31 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Citizens Bank and Trust
- Former names
- The Citizens Bank of Frostproof
- Type
- State-chartered bank
- FDIC certificate #
- 5673
- RSSD ID
- 701839
- Primary regulator
- FDIC
- Holding company
- Citizens Banking Corp
- Established
- May 13, 1920
- Headquarters
- 2 E Wall St, Frostproof, FL 33843
- Website
- www.citizens-bank.com
- Employees
- 196
Quick answers
Citizens Bank and Trust: common questions
Is Citizens Bank and Trust FDIC insured?
Yes. Citizens Bank and Trust is an FDIC-insured institution (FDIC certificate #5673). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank and Trust's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank and Trust ever failed?
There is no failure record for FDIC certificate #5673 in the FDIC failed bank list.
How many branches does Citizens Bank and Trust have?
17 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Frostproof
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Crews Bank & TrustBank Wauchula, FL | 85 out of 100, Very strong | $2.3B | 10.7% | 0.06% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Lake Michigan Credit UnionCredit union Grand Rapids, MI | 73 out of 100, Strong | $17.3B | 11.3% | 0.35% | vs |
| Midflorida Credit UnionCredit union Lakeland, FL | 72 out of 100, Strong | $9.8B | 10.7% | 0.46% | vs |
| First National Bank of WauchulaBank Wauchula, FL | 71 out of 100, Strong | $87.5M | 12.2% | 0.80% | vs |
| Bank of Central FloridaBank Lakeland, FL | 69 out of 100, Moderate | $1.2B | 8.7% | 0.21% | vs |