TellerScore

Citizens Trust Bank (FDIC certificate #8033) is based in Atlanta, Georgia. Its Q2 2026 call report shows $790.3M in total assets and $678.1M in deposits and 7 offices across 2 states.

Based on its Q2 2026 filing, Citizens Trust Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 77th. Its strongest component is problem-loan coverage (86/100; 6.8%), and its lowest is loan quality (46/100; 1.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Tier 1 leverage ratio: 13.24%
Loan quality46/100
Noncurrent loans ÷ total loans: 1.63%
Earnings83/100
Return on assets (annualized): 1.58%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 56.8% · 48.1% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.85%

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 (71 → 71).

TellerScore
717681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202479
Q4 202471
Q1 202577
Q2 202571
Q3 202578
Q4 202581
Q1 202676
Q2 202671
Tier 1 leverage ratio
5.00%9.43%13.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.62%
Q3 202411.94%
Q4 202412.24%
Q1 202512.70%
Q2 202512.06%
Q3 202513.27%
Q4 202513.68%
Q1 202613.86%
Q2 202613.24%
Noncurrent loans
0.49%1.06%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.49%
Q3 20240.72%
Q4 20241.57%
Q1 20250.98%
Q2 20251.35%
Q3 20251.06%
Q4 20250.87%
Q1 20261.29%
Q2 20261.63%
Return on assets
1.52%1.85%2.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.19%
Q3 20242.15%
Q4 20242.11%
Q1 20251.78%
Q2 20251.76%
Q3 20251.79%
Q4 20251.80%
Q1 20261.52%
Q2 20261.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$790.3M13.24%1.63%1.58%56.8%
Q1 202676$786.8M13.86%1.29%1.52%56.8%
Q4 202581$795.5M13.68%0.87%1.80%55.1%
Q3 202578$767.4M13.27%1.06%1.79%57.3%
Q2 202571$777.8M12.06%1.35%1.76%57.9%
Q1 202577$769.2M12.70%0.98%1.78%59.4%
Q4 202471$793.5M12.24%1.57%2.11%58.0%
Q3 202479$769.6M11.94%0.72%2.15%59.9%
Q2 202480$757.0M11.62%0.49%2.19%59.9%

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 ratio13.24%
77th
Total risk-based capital23.87%
92nd
Problem loans1.63%
17th
Net charge-offs0.04%
31st
Return on assets1.58%
70th
Net interest margin4.28%
69th
Efficiency ratio54.1%
74th
Loans to deposits56.8%
86th
Uninsured deposits48.1%
5th
Loan-loss reserves1.26%
57th
Texas ratio6.8%
27th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
PromiseOne BankBank Duluth, GA68 out of 100, Moderate$812.2M10.1%0.81%vs
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs
Barwick Banking CompanyBank Barwick, GA57 out of 100, Moderate$829.6M8.7%0.49%vs
First Century Bank, National AssociationBank Commerce, GA90 out of 100, Very strong$831.6M16.8%0.00%vs
Oconee State BankBank Watkinsville, GA44 out of 100, Below average$744.1M10.0%2.83%vs
Fnb SouthBank Alma, GA95 out of 100, Very strong$734.8M16.2%0.00%vs

Deposit insurance

Is my money safe at Citizens Trust Bank?

Yes. Citizens Trust Bank is an FDIC-insured institution (FDIC certificate #8033). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 48.1% of deposits ($326.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.87% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Citizens Trust Bank lists 7 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Citizens Trust Bank
Former names
Citizens Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
8033
RSSD ID
680130
Primary regulator
FED
Holding company
Citizens Bancshares Corp
Established
June 18, 1921
Headquarters
965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
Employees
81

Quick answers

Citizens Trust Bank: common questions

Is Citizens Trust Bank FDIC insured?

Yes. Citizens Trust Bank is an FDIC-insured institution (FDIC certificate #8033). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Trust Bank's TellerScore?

71 out of 100 (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 Trust Bank ever failed?

There is no failure record for FDIC certificate #8033 in the FDIC failed bank list.

How many branches does Citizens Trust Bank have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

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