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

Citizens Bank and Trust Company has a TFS Financial Health Grade of C- (score: 71.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Citizens Bank and Trust Company have?

Citizens Bank and Trust Company has 12 branch locations across the United States.

Is Citizens Bank and Trust Company FDIC insured?

Yes, Citizens Bank and Trust Company is FDIC insured (Certificate #823).

What are the total assets of Citizens Bank and Trust Company?

Citizens Bank and Trust Company has total assets of $578.4M as reported in its most recent FDIC filing.

Citizens Bank and Trust Company

BankBlackstone, Virginia

http://www.cbtva.com

Total Assets

$578.4M

Total Deposits

$487.6M

Branches

Established

1873

TFS Health Grade

C-

71.7 / 100

Average financial health

How we grade

Citizens Bank and Trust Company is a bank headquartered in Blackstone, Virginia, established in 1873. With $578.4M in total assets and 12 branch locations, it has a TFS Financial Health Grade of C- (71.7/100).

Capital & Safety

Tier 1 Capital Ratio

14.83%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.25%

Profitability

Return on Assets (ROA)

1.80%(1%)

Return on Equity (ROE)

13.86%(10%)

Net Interest Margin

4.31%

Efficiency Ratio

50.32%(60%)

Lending & Liquidity

Total Loans

$280.0M

Loan-to-Deposit Ratio

56.69%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+4.68%

Deposit Growth (YoY)

+3.19%

Net Income

$10.2M

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 Trust CompanyHQ	126 S Main St	Blackstone	VA	11
Citizens Bank and Trust Company	9060 N Five Forks Rd	Amelia Court House	VA	11
Citizens Bank and Trust Company	101 N Main St	Blackstone	VA	11
Citizens Bank and Trust Company	1575 S Main St	Blackstone	VA	11
Citizens Bank and Trust Company	102 2nd St Ne	Burkeville	VA	11
Citizens Bank and Trust Company	12101 Olivers Way	Chester	VA	11
Citizens Bank and Trust Company	497 Southpark Blvd	Colonial Heights	VA	11
Citizens Bank and Trust Company	210 Carter St	Crewe	VA	11
Citizens Bank and Trust Company	1517 W 3rd St	Farmville	VA	11
Citizens Bank and Trust Company	1712 S Main St	Farmville	VA	11
Citizens Bank and Trust Company	2501 Anderson Hwy	Powhatan	VA	11
Citizens Bank and Trust Company	622 E Atlantic St	South Hill	VA	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.