Citizens Bank and Trust
Headquartered in Frostproof, FL. Part of Citizens Banking Corporation. FDIC certificate #5673 · Federal Reserve RSSD 701839.
Total assets
$1.5B
Deposits
$1.4B
Q1 2026
Active branches
17
Closings since Jan 2020
2
2 openings since Jan 2020
Financial snapshot — Q1 2026
All quarters →Net income (quarter)
$5M
Return on assets
1.46%
Return on equity
37.71%
Noncurrent loan rate
0.37%
Deposits by year (Summary of Deposits)
12019
12020
12021
12022
12023
12024
12025
Values in $ billions, June 30 of each year.
Closings by year
12022
12023
Openings by year
12022
12023
Other network changes since 2020
- 1 branch relocations
- 1 branches acquired through purchases or mergers
Branches by state
Recent closings
- 1803 JAMES L REDMAN PKWY · closed August 11, 2023
- 4500 US HIGHWAY 92 EAST · closed November 18, 2022
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.citizens-bank.com.