Citizens Trust Bank is headquartered in Atlanta and is the 33rd largest bank in the state of Georgia. It is also the 1,710th largest bank in the nation. It was established in 1921 and as of December of 2019, it had grown to 90 employees at 7 locations. Citizens Trust Bank has an A health rating.
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.
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.
|FDIC Certificate #||8033|
|Return on Assets - YTD||1%|
|Return on Equity - YTD||9.13%|
|Annual Interest Income||$17.1MM|
|Assets and Liabilities|
|Assets||Q4 2019vs Q4 2018||$418.1MM$410.1MM|
|Loans||Q4 2019vs Q4 2018||$268.0MM$259.3MM|
|Deposits||Q4 2019vs Q4 2018||$363.3MM$348.7MM|
|Equity Capital||Q4 2019vs Q4 2018||$47.4MM$43.6MM|
|Loan Loss Allowance||Q4 2019vs Q4 2018||$1.6MM$1.6MM|
|Unbacked Noncurrent Loans||Q4 2019vs Q4 2018||$2.3MM$1.5MM|
|Real Estate Owned||Q4 2019vs Q4 2018||$161.00K$548.00K|
Rates for Citizens Trust Bank are currently being reviewed.
|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|
|Rockbridge Plaza Branch||5771 Rockbridge Road||Stone Mountain, GA 30087|
|Citizens Trust Bank||965 Martin Luther King Jr. Drive, Nw||Atlanta, GA 30314|
|Cascade Branch||3705 Cascade Rd Sw||Atlanta, GA 30331|