Headquartered in Guntersville, Alabama, Citizens Bank & Trust is a state-chartered bank with $1.2B in total assets and $1.1B in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 2003.
Citizens Bank & 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 93 banks headquartered in Alabama, it ranks 58th. Problem-loan coverage contributes the most (98/100, 0.8%); capital cushion contributes the least (39/100, 8.93%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 65 |
| Q2 2025 | 66 |
| Q3 2025 | 67 |
| Q4 2025 | 67 |
| Q1 2026 | 67 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.30% |
| Q3 2024 | 9.35% |
| Q4 2024 | 9.53% |
| Q1 2025 | 9.63% |
| Q2 2025 | 9.24% |
| Q3 2025 | 9.42% |
| Q4 2025 | 9.28% |
| Q1 2026 | 9.25% |
| Q2 2026 | 8.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.54% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.57% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $1.2B | 8.93% | 0.08% | 0.60% | 56.0% |
| Q1 2026 | 67 | $1.2B | 9.25% | 0.17% | 0.58% | 56.8% |
| Q4 2025 | 67 | $1.1B | 9.28% | 0.15% | 0.58% | 62.8% |
| Q3 2025 | 67 | $1.1B | 9.42% | 0.23% | 0.57% | 60.6% |
| Q2 2025 | 66 | $1.1B | 9.24% | 0.23% | 0.55% | 60.7% |
| Q1 2025 | 65 | $1.1B | 9.63% | 0.29% | 0.40% | 59.9% |
| Q4 2024 | 66 | $1.0B | 9.53% | 0.17% | 0.46% | 62.6% |
| Q3 2024 | 67 | $1.1B | 9.35% | 0.12% | 0.45% | 62.2% |
| Q2 2024 | 67 | $1.1B | 9.30% | 0.11% | 0.54% | 62.8% |
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 Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Metro BankBank Pell City, AL | 80 out of 100, Strong | $1.2B | 14.7% | 1.18% | vs |
| First US BankBank Birmingham, AL | 67 out of 100, Moderate | $1.1B | 9.2% | 0.15% | vs |
| AuburnBankBank Auburn, AL | 74 out of 100, Strong | $1.1B | 10.7% | 0.01% | vs |
| CommerceOne BankBank Birmingham, AL | 56 out of 100, Moderate | $1.1B | 9.0% | 0.00% | vs |
| SouthPoint BankBank Birmingham, AL | 21 out of 100, Low | $1.4B | 6.9% | 3.54% | vs |
| First Bank of AlabamaBank Talladega, AL | 45 out of 100, Below average | $1.4B | 9.8% | 3.40% | vs |
Deposit insurance
Is my money safe at Citizens Bank & Trust?
Yes. Citizens Bank & Trust is an FDIC-insured institution (FDIC certificate #57483). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.3% of deposits ($334.4M) 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 8.93%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.64% (benchmark: 10%).
10 locations
Branches
Citizens Bank & Trust lists 10 offices in 9 cities. Most locations:
- Cullman, AL (2)
- Albertville, AL (1)
- Arab, AL (1)
- Elkmont, AL (1)
- Guntersville, AL (1)
- Hazel Green, AL (1)
- New Hope, AL (1)
- Rogersville, AL (1)
- Scottsboro, AL (1)
HMDA 2025
Mortgage lending
In 2025, Citizens Bank & Trust reported 146 home-loan applications under HMDA (LEI 5493005GHHD2LL3US857): 109 originated ($51,565,000 total), 13 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.7%, 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 & Trust
- Type
- State-chartered bank
- FDIC certificate #
- 57483
- RSSD ID
- 3174920
- Primary regulator
- FDIC
- Holding company
- Citizens B&t Holdings Inc
- Established
- March 3, 2003
- Headquarters
- 711 Gunter Ave, Guntersville, AL 35976
- Website
- www.citizensbanktrust.com
- Employees
- 150
Quick answers
Citizens Bank & Trust: common questions
Is Citizens Bank & Trust FDIC insured?
Yes. Citizens Bank & Trust is an FDIC-insured institution (FDIC certificate #57483). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank & 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 & Trust ever failed?
There is no failure record for FDIC certificate #57483 in the FDIC failed bank list.
How many branches does Citizens Bank & Trust have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Guntersville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| First Bank of BoazBank Boaz, AL | 88 out of 100, Very strong | $239.8M | 19.7% | 0.05% | vs |
| First State Bank of DeKalb CountyBank Fort Payne, AL | 86 out of 100, Very strong | $353.8M | 14.1% | 0.84% | vs |
| Redstone Federal Credit UnionCredit union Huntsville, AL | 85 out of 100, Very strong | $8.6B | 13.9% | 0.70% | vs |
| Liberty BankBank Geraldine, AL | 81 out of 100, Strong | $258.6M | 11.3% | 0.15% | vs |
| Solutions Plus BankBank Albertville, AL | 79 out of 100, Strong | $43.9M | 56.7% | 0.00% | vs |