Citizens Trust Bank
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 0.70% | 5-year CD | |
| 0.20% | 1-year CD | 2.60% - Capital One 12 Month 360 CD |
| 0.05% | Savings |
Citizens Trust Bank is headquartered in Atlanta and is the 35th largest bank in the state of Georgia. It is also the 1,735th largest bank in the nation. It was established in 1921 and as of June of 2018, it had grown to 94 employees at 9 locations. Citizens Trust Bank has an A health rating.
Disappointing Deposit
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
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.
Data as of Q2 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 8033 |
| Year Established | 1921 |
| Employees | 94 |
| Primary Regulator | FED |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.01% |
| Return on Equity - YTD | 10.3% |
| Annual Interest Income | $7.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2018vs Q2 2017 | $399.4MM$407.0MM |
| Loans | Q2 2018vs Q2 2017 | $248.2MM$202.9MM |
| Deposits | Q2 2018vs Q2 2017 | $353.9MM$351.0MM |
| Equity Capital | Q2 2018vs Q2 2017 | $40.9MM$46.2MM |
| Loan Loss Allowance | Q2 2018vs Q2 2017 | $1.8MM$1.8MM |
| Unbacked Noncurrent Loans | Q2 2018vs Q2 2017 | $1.4MM$2.0MM |
| Real Estate Owned | Q2 2018vs Q2 2017 | $507.00K$1.5MM |
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Citizens Trust Bank Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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 | VIEW DETAILS |
|---|---|---|---|---|
| 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 | VIEW DETAILS |
|---|---|---|---|---|
| 0.70% | $500 | - | 60 Month CD | |
| 0.70% | $100k | - | 60 Month Jumbo CD | |
| 0.60% | $500 | - | 48 Month CD | |
| 0.60% | $100k | - | 48 Month Jumbo CD | |
| 0.55% | $500 | - | 36 Month CD | |
| 0.55% | $100k | - | 36 Month Jumbo CD | |
| 0.30% | $100k | - | 24 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 | |
| 0.20% | $100k | - | 12 Month Jumbo 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 |
| 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 |