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Featured Accounts

First and Citizens Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.05%5-year CD60 Month CD
0.35%1-year CD12 Month CD
0.15%SavingsPassbook Savings Account

Overview / Commentary
540-468-2430
195 West Main Strret
Monterey, VA 24465

First and Citizens Bank is headquartered in Monterey and is the 77th largest bank in the state of Virginia. It is also the 4,016th largest bank in the nation. It was established in 1929 and as of June of 2016, it had grown to 26 employees at 3 locations. First and Citizens Bank has a B health rating.

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Health
B

Health Grade Components

Overall
FDIC Certificate #13011
Year Established1929
Employees26
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD5.75%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$121.8MM$123.7MM
LoansQ2 2016vs Q2 2015$63.2MM$65.6MM
DepositsQ2 2016vs Q2 2015$106.1MM$108.9MM
Equity CapitalQ2 2016vs Q2 2015$15.2MM$14.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.1MM$1.0MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.2MM$1.6MM
Real Estate OwnedQ2 2016vs Q2 2015$196.00K$141.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First and Citizens Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Passbook Savings Account
0.15%--Christmas Club Savings Account

First and Citizens Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$50k*-Money Market Account
OTHER TIERS: 0.20% $500 - $10k | 0.25% $10k - $50k

First and Citizens Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%*$50k*-Now Checking Account
OTHER TIERS: 0.05% $500 - $10k | 0.10% $10k - $50k

First and Citizens Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%$500-60 Month CD
0.85%$500-48 Month CD
0.75%$500-36 Month CD
0.60%$500-24 Month CD
0.35%$500-12 Month CD
0.25%$500-182 Day CD

First and Citizens Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$500-60 Month Fixed Rate IRA
1.00%--18 Month Variable Rate IRA
1.00%$500-24 Month Fixed Rate IRA
Locations


First and Citizens Bank Locations
First and Citizens Bank195 West Main StrretMonterey, VA 24465
Riverside Plaza Shopping Center Branch23 Scenic HighwayChurchville, VA 24421
Hot Springs Branch9406 Sam Snead HighwayHot Springs, VA 24445