Citizens Bank & Trust (AL)


Overview / Commentary
256-505-4600
711 Gunter Avenue
Guntersville, AL 35976

Citizens Bank & Trust (AL) is headquartered in GUNTERSVILLE and is the 16th largest bank in the state of Alabama. It is also the 979th largest bank in the nation. It was established in 2003 and as of June of 2024, it had grown to 152 employees at 10 locations. Citizens Bank & Trust (AL) has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #57483
Year Established2003
Employees152
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD10.75%
Annual Interest Income$23.5MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$1.05B$1.04B
LoansQ2 2024vs Q2 2023$566.7MM$545.8MM
DepositsQ2 2024vs Q2 2023$903MM$885.5MM
Equity CapitalQ2 2024vs Q2 2023$56MM$48.7MM
Loan Loss AllowanceQ2 2024vs Q2 2023$7.1MM$7.9MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$605K$1.6MM
Real Estate OwnedQ2 2024vs Q2 2023$279K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.56%*$250k*-Business Money Market
OTHER TIERS: 0.24% $0 - $20k | 0.32% $20k - $50k | 0.40% $50k - $100k | 0.48% $100k - $250k

Citizens Bank & Trust (AL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$15kCitizens Cash Checking
OTHER TIERS: 0.15% $15k+
1.21%*$1m*-Citizens Prime Checking
OTHER TIERS: 0.40% $0 - $50k | 0.56% $50k - $150k | 0.72% $150k - $250k | 0.88% $250k - $500k | 1.04% $500k - $1m
Locations


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 AveGuntersville, AL 35976
Rogersville BranchMarket SquareRogersville, AL 35652
Cullman Branch223 2nd Avenue SeCullman, AL 35055
New Hope Branch Hwy 431 South4615 Main DriveNew Hope, AL 35760

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