What is Citizens Bank and Trust's financial health grade?

Citizens Bank and Trust has a TFS Financial Health Grade of D+ (score: 69.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Citizens Bank and Trust have?

Citizens Bank and Trust has 17 branch locations across the United States.

Is Citizens Bank and Trust FDIC insured?

Yes, Citizens Bank and Trust is FDIC insured (Certificate #5673).

What are the total assets of Citizens Bank and Trust?

Citizens Bank and Trust has total assets of $1.4B as reported in its most recent FDIC filing.

Citizens Bank and Trust

BankFrostproof, Florida

http://www.citizens-bank.com

Total Assets

$1.4B

Total Deposits

$1.4B

Branches

Established

1920

TFS Health Grade

D+

69.3 / 100

Below average financial health

How we grade

Citizens Bank and Trust is a bank headquartered in Frostproof, Florida, established in 1920. With $1.4B in total assets and 17 branch locations, it has a TFS Financial Health Grade of D+ (69.3/100).

Capital & Safety

Tier 1 Capital Ratio

7.72%(8%)

Total Capital Ratio

13.33%(10%)

Non-Performing Loan Ratio

0.49%

Profitability

Return on Assets (ROA)

1.03%(1%)

Return on Equity (ROE)

35.07%(10%)

Net Interest Margin

3.13%

Efficiency Ratio

67.05%(60%)

Lending & Liquidity

Total Loans

$859.3M

Loan-to-Deposit Ratio

61.84%

Net Charge-Off Ratio

0.06%

Growth

Asset Growth (YoY)

+7.35%

Deposit Growth (YoY)

+5.45%

Net Income

$14.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Citizens Bank and TrustHQ	2 E Wall St	Frostproof	FL	11
Citizens Bank and Trust	211 Havendale Blvd	Auburndale	FL	11
Citizens Bank and Trust	1450 N Broadway Ave	Bartow	FL	11
Citizens Bank and Trust	13744 7th St	Dade City	FL	11
Citizens Bank and Trust	1013 Highway 542	Dundee	FL	11
Citizens Bank and Trust	214 Weat Broadway Street	Fort Meade	FL	11
Citizens Bank and Trust	36250 Us Hwy 27 N	Haines City	FL	11
Citizens Bank and Trust	5850 S Florida Ave	Lakeland	FL	11
Citizens Bank and Trust	1985 E Edgewood Dr	Lakeland	FL	11
Citizens Bank and Trust	402 S Kentucky Ave	Lakeland	FL	11
Citizens Bank and Trust	222 State Road 60 E	Lake Wales	FL	27
Citizens Bank and Trust	222 State Road 60 E	Lake Wales	FL	11
Citizens Bank and Trust	23725 Hwy 27	Lake Wales	FL	11
Citizens Bank and Trust	3019 James L Redman Parkway	Plant City	FL	12
Citizens Bank and Trust	1016 Bloomingdale Ave	Valrico	FL	11
Citizens Bank and Trust	6340 Cypress Gardens Blvd	Winter Haven	FL	11
Citizens Bank and Trust	1120 1st St S	Winter Haven	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.