Citizens Trust Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.80%	5-year CD	2.23% - National Average
0.20%	1-year CD	2.65% - Barclays 12 Month Online CD
0.05%	Savings	2.10% - American Express National Bank High Yield Savings Account

View all Citizens Trust Bank rates »

Overview / Commentary

www.ctbconnect.com

404-575-8400

3705 Cascade Road Sw
Atlanta, GA 30331

Citizens Trust Bank is headquartered in Atlanta and is the 34^th largest bank in the state of Georgia. It is also the 1,755^th largest bank in the nation. It was established in 1921 and as of September of 2018, it had grown to 91 employees at 8 locations. Citizens Trust Bank has a B+ health rating.

Reviews (2)

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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.

Comment

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.

Comment

Health

B+

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	8033
Year Established	1921
Employees	91
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.07%
Return on Equity - YTD	10.69%
Annual Interest Income	$11.8MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$395.9MM$425.5MM
Loans	Q3 2018vs Q3 2017	$247.7MM$250.3MM
Deposits	Q3 2018vs Q3 2017	$344.6MM$379.4MM
Equity Capital	Q3 2018vs Q3 2017	$41.7MM$41.4MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$1.7MM$1.9MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$1.7MM$2.1MM
Real Estate Owned	Q3 2018vs Q3 2017	$546.00K$1.2MM

Rates

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Citizens Trust Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$1k	-	MTA Investor Account
0.10%	$5k	-	MTA Silver Investor Account
0.10%	$100	-	IRA
0.10%	$100k	-	Sweep Investment Account
0.05%	$1k	-	Regular Savings
0.05%	$5	-	Future Savings
0.05%	$1k	-	Commercial Savings
0.05%	$2.5k	-	Commercial MTA

Citizens Trust Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$100	-	Money Market Account

Citizens Trust Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
0.80%	$500	-	60 Month CD
0.80%	$100k	-	60 Month Jumbo CD
0.65%	$100k	-	48 Month Jumbo CD
0.60%	$500	-	48 Month CD
0.55%	$500	-	36 Month CD
0.55%	$100k	-	36 Month Jumbo CD
0.45%	$100k	-	24 Month Jumbo CD
0.40%	$100k	-	12 Month Jumbo CD
0.25%	$500	-	24 Month CD
0.25%	$500	-	30 Month CD
0.22%	$500	-	18 Month CD
0.20%	$500	-	12 Month CD
0.05%	$500	-	6 Month CD
0.03%	$500	-	91 Day 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	-	30 Day Jumbo CD
0.01%	$100k	-	60 Day Jumbo CD

Locations

Citizens Trust Bank Locations
Third Avenue Branch	1700 Third Avenue North	Birmingham, AL 35203
Eutaw Branch	213 Main Street	Eutaw, AL 35462
Panola Road Branch	2727 Panola Road	Lithonia, GA 30058
East Point Branch	2840 East Point Street	East Point, GA 30344
Columbus Branch	3172 Macon Road	Columbus, GA 31901
Rockbridge Plaza Branch	5771 Rockbridge Road	Stone Mountain, GA 30087
Citizens Trust Bank	3705 Cascade Road Sw	Atlanta, GA 30331
West Side Branch	965 Martin Luther King. Jr., Dr.	Atlanta, GA 30314

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