Citizens Bank & Trust (AL)

Overview / Commentary
711 Gunter Avenue
Guntersville, AL 35976

Citizens Bank & Trust (AL) is headquartered in Guntersville and is the 20th largest bank in the state of Alabama. It is also the 1,222nd largest bank in the nation. It was established in 2003 and as of June of 2020, it had grown to 116 employees at 8 locations. Citizens Bank & Trust (AL) has an A+ health rating.


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Health Grade Components

FDIC Certificate #57483
Year Established2003
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD10.35%
Annual Interest Income$11.9MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$692.2MM$518.0MM
LoansQ2 2020vs Q2 2019$401.6MM$324.5MM
DepositsQ2 2020vs Q2 2019$583.4MM$455.1MM
Equity CapitalQ2 2020vs Q2 2019$64.5MM$52.6MM
Loan Loss AllowanceQ2 2020vs Q2 2019$5.6MM$4.0MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$985.00K$1.8MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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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 & Trust (AL) Money Market Rates

0.33%*$250k*-Business Money Market
OTHER TIERS: 0.10% $5k - $20k | 0.13% $20k - $50k | 0.20% $50k - $100k | 0.26% $100k - $250k

Citizens Bank & Trust (AL) Checking Account Rates

3.00%*-$15kKasasa Cash
OTHER TIERS: 0.15% $15k+
0.39%*$150k*-Citizens Prime Checking
OTHER TIERS: 0.16% Up to $10k | 0.20% $10k - $50k | 0.26% $50k - $150k

Citizens Bank & Trust (AL) Locations
Arab Branch1205 North Brindlee Mountain ParkwayArab, AL 35016
Hazel Green Branch13870 Highway 231/431 NorthHazel Green, AL 35750
Elkmont Branch25530 Alabama Highway 127Elkmont, AL 35620
Albertville Branch324 North Broad StreetAlbertville, AL 35950
Citizens Bank & Trust711 Gunter AvenueGuntersville, AL 35976
New Hope Branch5053 Main DriveNew Hope, AL 35760
Rogersville BranchMarket SquareRogersville, AL 35652
Cullman Branch223 2nd Avenue SeCullman, AL 35055

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