Citizens Bank and Trust Company

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.90%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.25%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.20%	Savings	Statement Savings 1.00% - Ally Bank Online Savings Account

View all Citizens Bank and Trust Company rates »

Overview / Commentary

www.cbtva.com

434-292-8100

126 South Main Street
Blackstone, VA 23824

Citizens Bank and Trust Company is headquartered in Blackstone and is the 50^th largest bank in the state of Virginia. It is also the 1,911^th largest bank in the nation. It was established in 1873 and as of June of 2016, it had grown to 83 employees at 11 locations. Citizens Bank and Trust Company has a B+ health rating.

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Health

B+

Data as of Q2 2016

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Health Grade Components

Overall
FDIC Certificate #	823
Year Established	1873
Employees	83
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.1%
Return on Equity - YTD	8.53%
Annual Interest Income	$6.1MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$352.0MM$343.9MM
Loans	Q2 2016vs Q2 2015	$183.9MM$180.8MM
Deposits	Q2 2016vs Q2 2015	$296.2MM$291.7MM
Equity Capital	Q2 2016vs Q2 2015	$45.5MM$42.7MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$2.2MM$2.3MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$1.9MM$2.4MM
Real Estate Owned	Q2 2016vs Q2 2015	$5.0MM$4.9MM

Rates

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Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens Bank and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	-	-	Kids Bank for Life
0.20%	-	-	Statement Savings
0.20%	-	-	Christmas Club
0.20%	-	-	Vacation Club

Citizens Bank and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$100k^*	-	Advantage Money Market Account
OTHER TIERS: 0.20% → $2,500 - $25k \| 0.25% → $25k - $100k
0.30%^*	$100k^*	-	Business Advantage Money Market
OTHER TIERS: 0.20% → $2,500 - $25k \| 0.25% → $25k - $100k
0.25%	-	-	Business Money Market

Citizens Bank and Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	-	-	Citizens Premier Checking
0.05%	-	-	Achievement Checking
0.05%	-	-	Advantage Checking
0.05%	-	-	Business Plus Checking
0.05%	-	-	Estate Check Plus
0.05%	-	-	Non-Profit Checking

Citizens Bank and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$500	-	60 Month CD
0.75%	$500	-	48 Month CD
0.65%	$500	-	36 Month CD
0.40%	$500	-	36 Month Convertible CD Special
0.40%	$500	-	30 Month CD
0.35%	$500	-	24 Month CD
0.30%	$500	-	13 Month CD Special
0.25%	$500	-	12 Month CD
0.25%	$500	-	18 Month CD
0.20%	$500	-	9 Month (1 Penalty Free W/D)
0.20%	$500	-	18 Month (1 Penalty Free W/D)
0.15%	$500	-	6 Month CD
0.05%	$500	-	3 Month CD

Citizens Bank and Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$500	-	60 Month IRA
0.75%	$500	-	48 Month IRA
0.65%	$500	-	36 Month IRA
0.40%	$500	-	30 Month IRA
0.35%	$500	-	24 Month IRA
0.25%	$500	-	12 Month IRA
0.25%	$500	-	18 Month IRA

Locations

Citizens Bank and Trust Company has 11 locations. Click to view all Citizens Bank and Trust Company locations.