Total Assets
$134.7M
Total Deposits
$119.3M
Branches
3
Established
1988
Citizens Bank & Trust, Inc. is a bank headquartered in Trenton, Georgia, established in 1988. It holds $134.7M in total assets across 3 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Citizens Bank & Trust, Inc. earns a TFS Financial Health Grade of B- (75.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
75.3 / 100
Good 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 March 31, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q1. 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 & Trust, Inc.HQ | 12255 S Main St | Trenton | GA | 11 |
| Citizens Bank & Trust, Inc. | 29316 Al Highway 71 | Higdon | AL | 11 |
| Citizens Bank & Trust, Inc. | 107 Mcfarland Rd | Lookout Mountain | GA | 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
75.3
Tier 1 capital ratio
12.14%
Return on assets
-2.62%
Non-performing loans
0.12%
Efficiency ratio
143.99%
Asset growth (YoY)
2.36%
Suggested direct comparisons
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Camilla, GA
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.