Citizens Bank & Trust (AL)

Overview / Commentary
711 Gunter Avenue
Guntersville, AL 35976

Citizens Bank & Trust (AL) is headquartered in GUNTERSVILLE and is the 13th largest bank in the state of Alabama. It is also the 932nd largest bank in the nation. It was established in 2003 and as of March of 2024, it had grown to 150 employees at 10 locations. Citizens Bank & Trust (AL) has a B+ health rating.


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Health Grade Components

FDIC Certificate #57483
Year Established2003
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD13.6%
Annual Interest Income$11.6MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.1B$1.02B
LoansQ1 2024vs Q1 2023$585.9MM$529.4MM
DepositsQ1 2024vs Q1 2023$888.3MM$898.6MM
Equity CapitalQ1 2024vs Q1 2023$52.5MM$49.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$7.2MM$7.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.8MM$1.8MM
Real Estate OwnedQ1 2024vs Q1 2023$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

0.60%*$250k*-Business Money Market
OTHER TIERS: 0.26% $0 - $20k | 0.34% $20k - $50k | 0.43% $50k - $100k | 0.51% $100k - $250k

Citizens Bank & Trust (AL) Checking Account Rates

3.00%*$0$15kCitizens Cash Checking
OTHER TIERS: 0.15% $15k+
1.28%*$1m*-Citizens Prime Checking
OTHER TIERS: 0.43% $0 - $50k | 0.60% $50k - $150k | 0.77% $150k - $250k | 0.94% $250k - $500k | 1.11% $500k - $1m

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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