Total Assets
$1.2B
Total Deposits
$1.1B
Branches
10
Established
2003
Citizens Bank & Trust is a bank headquartered in Guntersville, Alabama, established in 2003. It holds $1.2B in total assets across 10 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Citizens Bank & Trust earns a TFS Financial Health Grade of C (66.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
66.7 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. 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 & TrustHQ | 711 Gunter Ave | Guntersville | AL | 11 |
| Citizens Bank & Trust | 324 N Broad St | Albertville | AL | 11 |
| Citizens Bank & Trust | 1205 N Brindlee Mountain Pkwy | Arab | AL | 11 |
| Citizens Bank & Trust | 1800 Park Ave | Cullman | AL | 11 |
| Citizens Bank & Trust | 223 2nd Ave Se | Cullman | AL | 11 |
| Citizens Bank & Trust | 25530 Alabama Highway 127 | Elkmont | AL | 11 |
| Citizens Bank & Trust | 13870 Highway 231 431 N | Hazel Green | AL | 11 |
| Citizens Bank & Trust | 4615 Main Dr | New Hope | AL | 11 |
| Citizens Bank & Trust | 1565 Lee St | Rogersville | AL | 11 |
| Citizens Bank & Trust | 1535 South Broad Street | Scottsboro | AL | 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.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
66.7
Tier 1 capital ratio
8.93%
Return on assets
0.60%
Non-performing loans
0.08%
Efficiency ratio
78.11%
Asset growth (YoY)
10.43%
Suggested direct comparisons
Prattville, AL
$4.0B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.