Citizens Bank & Trust
Headquartered in Guntersville, AL. Part of Citizens B & T Holdings, Inc. FDIC certificate #57483 · Federal Reserve RSSD 3174920.
Total assets
$1.2B
Deposits
$1.1B
Q1 2026
Active branches
10
Closings since Jan 2020
2
4 openings since Jan 2020
Financial snapshot — Q1 2026
All quarters →Net income (quarter)
$2M
Return on assets
0.58%
Return on equity
8.86%
Noncurrent loan rate
0.17%
Deposits by year (Summary of Deposits)
02019
12020
12021
12022
12023
12024
12025
Values in $ billions, June 30 of each year.
Closings by year
12022
12026
Openings by year
12022
22023
12026
Branches by state
Recent closings
- 1535 SOUTH BROAD STREET · closed May 18, 2026
- 5053 MAIN DRIVE · closed July 22, 2022
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.citizensbanktrust.com.