Citizens Bank & Trust is a bank based in Guntersville, Alabama, established in 2003, with $1.2 billion in total assets across 10 branches. By Trust Grade it ranks 78th of 93 banks we track in Alabama. Its capital ratio of 6.5% trails most similarly sized banks (2th percentile), versus a Alabama median of 10%. It was profitable over the most recent period, with a 0.58% return on assets. No consumer complaints against Citizens Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens Bank & Trust compares to Alabama peers
How we graded Citizens Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (6.5% capital ratio)
- Profitable (ROA 0.58%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (10)
- 711 Gunter Ave, Guntersville, AL 35976
- 1205 N Brindlee Mountain Pkwy, Arab, AL 35016
- 324 N Broad St, Albertville, AL 35950
- 13870 Highway 231 431 N, Hazel Green, AL 35750
- 1565 Lee St, Rogersville, AL 35652
- 25530 Alabama Highway 127, Elkmont, AL 35620
- 223 2nd Ave Se, Cullman, AL 35055
- 4615 Main Dr, New Hope, AL 35760
- 1800 Park Ave, Cullman, AL 35055
- 23817 John T Reid Pkwy, Scottsboro, AL 35768
Are deposits at Citizens Bank & Trust insured?
Yes. Citizens Bank & Trust is an FDIC-insured bank (FDIC certificate #57483). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Citizens Bank & Trust: frequently asked questions
Is Citizens Bank & Trust a good bank?
Citizens Bank & Trust earns a Bankzia Trust Grade of B (82/100, "Strong"), based on a financial-strength score of 82/100 (it has no CFPB complaints on record). Well-capitalized (6.5% capital ratio); Profitable (ROA 0.58%).
Is Citizens Bank & Trust FDIC-insured?
Yes. Citizens Bank & Trust is a FDIC-insured bank (FDIC certificate #57483). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens Bank & Trust?
Citizens Bank & Trust holds $1.2 billion in total assets, ranking 78th of 93 banks we track in Alabama. It operates 10 branches.
Does Citizens Bank & Trust have CFPB complaints?
No CFPB complaints against Citizens Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
