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Citizens Bank & Trust (AL)


Overview / Commentary
www.citizensbanktrust.com
256-505-4600
711 Gunter Avenue
Guntersville, AL 35976

Citizens Bank & Trust (AL) is headquartered in Guntersville and is the 15th largest bank in the state of Alabama. It is also the 1,012th largest bank in the nation. It was established in 2003 and as of December of 2021, it had grown to 131 employees at 8 locations. Citizens Bank & Trust (AL) has an A health rating.

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Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #57483
Year Established2003
Employees131
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD9.97%
Annual Interest Income$26.0MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$964.9MM$719.9MM
LoansQ4 2021vs Q4 2020$425.3MM$404.8MM
DepositsQ4 2021vs Q4 2020$810.7MM$607.1MM
Equity CapitalQ4 2021vs Q4 2020$85.7MM$66.4MM
Loan Loss AllowanceQ4 2021vs Q4 2020$7.7MM$6.1MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.3MM$1.5MM
Real Estate OwnedQ4 2021vs Q4 2020$0$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
0.28%*$250k*-Business Money Market
OTHER TIERS: 0.12% → Up to $20k | 0.16% → $20k - $50k | 0.20% → $50k - $100k | 0.24% → $100k - $250k

Citizens Bank & Trust (AL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*-$15kCitizens Cash Checking
OTHER TIERS: 0.15% → $15k+
0.36%*$150k*-Citizens Prime Checking
OTHER TIERS: 0.16% → Up to $10k | 0.20% → $10k - $50k | 0.28% → $50k - $150k
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 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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