Citizens Trust Bank


Overview / Commentary
404-575-8400
965 Martin Luther King Jr Dr
Atlanta, GA 30314

Citizens Trust Bank is headquartered in ATLANTA and is the 19th largest bank in the state of Georgia. It is also the 1,291st largest bank in the nation. It was established in 1921 and as of March of 2025, it had grown to 88 employees at 7 locations. Citizens Trust Bank's CD rates are 39% higher than the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #8033
Year Established1921
Employees88
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.78%
Return on Equity - YTD15.63%
Annual Interest Income$9.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$769.2MM$734.8MM
LoansQ1 2025vs Q1 2024$394.2MM$389.8MM
DepositsQ1 2025vs Q1 2024$663.9MM$641.9MM
Equity CapitalQ1 2025vs Q1 2024$91.7MM$79.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4.6MM$4.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.9MM$2.1MM
Real Estate OwnedQ1 2025vs Q1 2024$566K$0
Rates
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Citizens Trust Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-MTA Investor Account
0.10%$5k-MTA Silver Investor Account
0.10%$2.5k-Commercial MTA
0.10%$100k-Sweep Investment Account
0.05%$100-Regular Savings
0.05%$5-Future Savings
0.05%$1k-Commercial Savings

Citizens Trust Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Money Market Account

Citizens Trust Bank Checking Account Rates

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

Citizens Trust Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-12 Month CD
1.25%$500-18 Month CD
1.25%$500-24 Month CD
1.25%$500-30 Month CD
1.25%$500-36 Month CD
1.25%$500-48 Month CD
1.25%$500-60 Month CD
1.00%$100k-12 Month Jumbo CD
1.00%$100k-24 Month Jumbo CD
1.00%$100k-36 Month Jumbo CD
1.00%$100k-48 Month Jumbo CD
1.00%$100k-60 Month Jumbo CD
0.03%$500-90 Day CD
0.03%$500-6 Month CD
0.03%$100k-90 Day Jumbo CD
0.03%$100k-6 Month Jumbo CD
0.01%$500-7-31 Day CD
0.01%$100k-14 Day Jumbo CD
0.01%$100k-30 Day Jumbo CD
0.01%$100k-60 Day Jumbo CD

Citizens Trust Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-IRA
Locations


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
Rockbridge Plaza Branch5771 Rockbridge RoadStone Mountain, GA 30087
Citizens Trust Bank965 Martin Luther King Jr Dr NwAtlanta, GA 30314
Cascade Branch3705 Cascade Rd SwAtlanta, GA 30331

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