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Citizens Trust Bank

Popular Accounts at this Bank

0.40%5-year CD60 Month Jumbo CD
0.10%1-year CD12 Month CD
0.05%SavingsMTA Investor Account

Overview / Commentary
75 Piedmont Avenue, Northeast
Atlanta, GA 30303

Citizens Trust Bank is headquartered in Atlanta and is the 35th largest bank in the state of Georgia. It is also the 1,744th largest bank in the nation. It was established in 1921 and as of December of 2016, it had grown to 96 employees at 10 locations. Citizens Trust Bank has an A health rating.

Reviews (2)

Disappointing Deposit

Posted by: Mo Clark | Dec 3, 2016

I arrived at the Cascade branch at 12:50pm to make deposit. The branch closes at 1pm on Saturdays. There was 1 car ahead of me. I waited in line for 15 minutes to do my deposit but then the teller closed the window. This was very unprofessional and an inconvience for myself and the car behind me who also waited. I pulled my money out of other banks to bank with a "black-owned" bank. When you deposit through the ATM, your money isn't available until someone decides to go check the ATM. I'm highly disappointed.

Terrible Bank

Posted by: Bikelady | Jul 20, 2016

How can you explain your bank account being hacked twice in two weeks? After being bilked for several thousands of dollars, the best they can offer me is to come into the branch to fill out a fraud report so it's investigated. Hello, my money isn't safe here! First, I work out of town so this requires a trip home for me to physically walk into the bank. Really? In the 21st century this bank cannot help me over the phone? So, I fly home early on a Friday and walk into the bank to resolve this matter. Only for it to happen again a week later? And I don't even have my new debit card so at this point I'm wondering how is this even happening? They have no explanation, and I will have to fly home to close my account because I am finished with this bank. As much as I hate big banks, try sitting on hold for 20 minutes at Citizens Trust only for someone to pick up disconnect you, the grass looks pretty green over at B of A. This is a small bank that offers small bank customer service.


Health Grade Components

FDIC Certificate #8033
Year Established1921
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD4.83%
Annual Interest Income$12.8MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$394.8MM$387.9MM
LoansQ4 2016vs Q4 2015$208.1MM$184.8MM
DepositsQ4 2016vs Q4 2015$339.8MM$328.9MM
Equity CapitalQ4 2016vs Q4 2015$45.3MM$49.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.8MM$2.1MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$2.4MM$3.0MM
Real Estate OwnedQ4 2016vs Q4 2015$1.6MM$4.5MM
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Citizens Trust Bank Savings Account Rates

0.10%$5k-MTA Silver Investor Account
0.10%$100k-Sweep Investment Account
0.05%$1k-Regular Savings
0.05%--Future Savings
0.05%$1k-MTA Investor Account
0.05%$1k-Commercial Savings
0.05%$2,500-Commercial MTA

Citizens Trust Bank Money Market Rates

0.05%$100-Money Market Account

Citizens Trust Bank Checking Account Rates

0.10%$100k-Super NOW Account
0.05%$1k-Non-Profit NOW Account
0.05%$5k-CTB Advantage NOW
0.03%$2k-Personal Interest Checking

Citizens Trust Bank CD Rates

0.40%$500-60 Month CD
0.40%$100k-60 Month Jumbo CD
0.30%$500-48 Month CD
0.30%$100k-48 Month Jumbo CD
0.25%$500-36 Month CD
0.25%$100k-36 Month Jumbo CD
0.20%$500-24 Month CD
0.20%$500-30 Month CD
0.20%$100k-24 Month Jumbo CD
0.15%$500-18 Month CD
0.15%$100k-12 Month Jumbo CD
0.10%$500-12 Month CD
0.05%$500-6 Month CD
0.05%$100k-6 Month Jumbo CD
0.03%$500-91 Day CD
0.03%$100k-90 Day Jumbo CD
0.01%$500-7-31 Day CD
0.01%$100k-30 Day Jumbo CD
0.01%$100k-60 Day Jumbo CD

Citizens Trust Bank Locations
Third Avenue Branch1700 Third Avenue NorthBirmingham, AL 35203
Eutaw Branch213 Main StreetEutaw, AL 35462
Panola Road Branch2727 Panola RoadLithonia, GA 30058
East Point Branch2840 East Point StreetEast Point, GA 30344
Lithonia Branch3065 Stone Mountain StreetLithonia, GA 30058
Columbus Branch3172 Macon RoadColumbus, GA 31901
Cascade Branch3705 Cascade RoadAtlanta, GA 30331
Rockbridge Plaza Branch5771 Rockbridge RoadStone Mountain, GA 30087
Citizens Trust Bank75 Piedmont Avenue, NortheastAtlanta, GA 30303
West Side Branch965 Martin Luther King. Jr., Dr.Atlanta, GA 30314