Citizens Trust Bank

BankAtlanta, Georgia
www.ctbconnect.com

Total Assets

$795.5M

Total Deposits

$682.5M

Branches

7

Established

1921

TFS Health Grade

$
C

76.3 / 100

Average financial health

How we grade

Citizens Trust Bank is a bank headquartered in Atlanta, Georgia, established in 1921. With $795.5M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (76.3/100).

Capital & Safety

Tier 1 Capital Ratio
13.68%(8%)
Total Capital Ratio
25.16%(10%)
Non-Performing Loan Ratio
0.87%

Profitability

Return on Assets (ROA)
1.80%(1%)
Return on Equity (ROE)
15.10%(10%)
Net Interest Margin
4.41%
Efficiency Ratio
50.56%(60%)

Lending & Liquidity

Total Loans
$380.5M
Loan-to-Deposit Ratio
55.08%
Net Charge-Off Ratio
0.12%

Growth

Asset Growth (YoY)
+0.26%
Deposit Growth (YoY)
-1.85%
Net Income
$14.0M

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.

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