Citizens Trust Bank

Overview / Commentary
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 1,283rd largest bank in the nation. It was established in 1921 and as of December of 2023, it had grown to 90 employees at 7 locations. Citizens Trust Bank's CD rates are 39% higher than the national average, and it has a B+ health rating.

Reviews (2)

Disappointing Deposit

Posted by: |

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: |

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 - YTD2.08%
Return on Equity - YTD22.69%
Annual Interest Income$36.4MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$741.4MM$806.8MM
LoansQ4 2023vs Q4 2022$368.2MM$337.9MM
DepositsQ4 2023vs Q4 2022$652.3MM$730.6MM
Equity CapitalQ4 2023vs Q4 2022$76.7MM$62.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$4.6MM$3MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1.8MM$1.3MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Citizens Trust Bank Savings Account Rates

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

0.10%$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%$1k-Personal Interest Checking

Citizens Trust Bank CD Rates

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 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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