TellerScore

Citizens Bank and Trust Company (FDIC certificate #823) is based in Blackstone, Virginia. Its Q2 2026 call report shows $577.6M in total assets and $485.5M in deposits and 12 offices.

Citizens Bank and Trust Company has a TellerScore of 97 out of 100 (very strong) based on Q2 2026 data — higher than 100% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in Virginia, it ranks 2nd. Capital cushion contributes the most (100/100, 15.39%); loan quality contributes the least (92/100, 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.39%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.23%
Earnings100/100
Return on assets (annualized): 2.11%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 58.7% · 21.9% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.06%

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 2 points (95 → 97), mostly because the earnings component improved by 7 points.

TellerScore
889397Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202488
Q3 202492
Q4 202492
Q1 202592
Q2 202595
Q3 202596
Q4 202594
Q1 202696
Q2 202697
Tier 1 leverage ratio
5.00%10.20%15.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.20%
Q3 202413.78%
Q4 202414.10%
Q1 202514.17%
Q2 202514.35%
Q3 202514.71%
Q4 202514.83%
Q1 202615.00%
Q2 202615.39%
Noncurrent loans
0.10%0.17%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.12%
Q4 20240.18%
Q1 20250.25%
Q2 20250.10%
Q3 20250.12%
Q4 20250.25%
Q1 20260.23%
Q2 20260.23%
Return on assets
1.64%1.87%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.64%
Q3 20241.67%
Q4 20241.64%
Q1 20251.78%
Q2 20251.83%
Q3 20251.84%
Q4 20251.80%
Q1 20261.89%
Q2 20262.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$577.6M15.39%0.23%2.11%58.7%
Q1 202696$583.3M15.00%0.23%1.89%56.8%
Q4 202594$578.4M14.83%0.25%1.80%56.7%
Q3 202596$568.8M14.71%0.12%1.84%56.8%
Q2 202595$561.6M14.35%0.10%1.83%56.7%
Q1 202592$566.5M14.17%0.25%1.78%55.0%
Q4 202492$552.5M14.10%0.18%1.64%56.4%
Q3 202492$545.3M13.78%0.12%1.67%56.5%
Q2 202488$556.2M13.20%0.23%1.64%54.0%

2,650 peers · $100 million – $1 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).

Capital ratio15.39%
89th
Total risk-based capital0.00%
24th
Problem loans0.23%
63rd
Net charge-offs-0.00%
77th
Return on assets2.11%
89th
Net interest margin4.55%
82nd
Efficiency ratio46.9%
88th
Loans to deposits58.7%
84th
Uninsured deposits21.9%
57th
Loan-loss reserves1.28%
60th
Texas ratio1.1%
68th

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Select BankBank Forest, VA59 out of 100, Moderate$524.4M9.5%1.06%vs
The Bank of MarionBank Marion, VA71 out of 100, Strong$634.1M11.4%1.12%vs
Powell Valley National BankBank Jonesville, VA78 out of 100, Strong$516.5M10.7%0.21%vs
The Bank of Southside VirginiaBank Carson, VA97 out of 100, Very strong$670.3M23.4%0.08%vs
TruPoint BankBank Grundy, VA77 out of 100, Strong$690.8M10.6%0.02%vs
First Sentinel BankBank Richlands, VA67 out of 100, Moderate$398.0M10.0%0.11%vs

Deposit insurance

Is my money safe at Citizens Bank and Trust Company?

Yes. Citizens Bank and Trust Company is an FDIC-insured institution (FDIC certificate #823). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.9% of deposits ($106.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.39%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Citizens Bank and Trust Company lists 12 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citizens Bank and Trust Company reported 185 home-loan applications under HMDA (LEI 54930085YFG0F7C2GE23): 135 originated ($32,735,000 total), 29 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.3%, 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 Company
Type
State-chartered bank (Fed member)
FDIC certificate #
823
RSSD ID
991621
Primary regulator
FED
Holding company
Citizens Bcorp of Virginia Inc
Established
July 15, 1873
Headquarters
126 S Main St, Blackstone, VA 23824
Employees
90

Quick answers

Citizens Bank and Trust Company: common questions

Is Citizens Bank and Trust Company FDIC insured?

Yes. Citizens Bank and Trust Company is an FDIC-insured institution (FDIC certificate #823). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Bank and Trust Company's TellerScore?

97 out of 100 (Very strong), 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 Company ever failed?

There is no failure record for FDIC certificate #823 in the FDIC failed bank list.

How many branches does Citizens Bank and Trust Company have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Blackstone

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers Bank of AppomattoxBank Appomattox, VA76 out of 100, Strong$374.6M12.6%0.59%vs
Benchmark Community BankBank Kenbridge, VA75 out of 100, Strong$1.4B9.8%0.17%vs
First BankBank Strasburg, VA67 out of 100, Moderate$2.1B9.4%0.32%vs
Truist BankBank Charlotte, NC63 out of 100, Moderate$548.3B9.8%0.72%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs