Citizens Trust Bank is a bank based in Atlanta, Georgia, established in 1921, with $787 million in total assets across 7 branches. By Trust Grade it ranks 55th of 124 banks we track in Georgia. Its capital ratio of 13.2% is stronger than 82% of similarly sized banks, versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 1.52% return on assets. No consumer complaints against Citizens Trust Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens Trust Bank compares to Georgia peers
How we graded Citizens Trust Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.2% capital ratio)
- Strongly profitable (ROA 1.52%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens Trust Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 2840 E Point St, East Point, GA 30344
- 5771 Rockbridge Rd, Stone Mountain, GA 30087
- 213 Main St, Eutaw, AL 35462
- 2727 Panola Rd, Lithonia, GA 30058
- 1700 3rd Ave N, Birmingham, AL 35203
- 965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
- 3705 Cascade Rd Sw, Atlanta, GA 30331
Are deposits at Citizens Trust Bank insured?
Yes. Citizens Trust Bank is an FDIC-insured bank (FDIC certificate #8033). 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 Trust Bank: frequently asked questions
Is Citizens Trust Bank a good bank?
Citizens Trust Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.2% capital ratio); Strongly profitable (ROA 1.52%).
Is Citizens Trust Bank FDIC-insured?
Yes. Citizens Trust Bank is a FDIC-insured bank (FDIC certificate #8033). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens Trust Bank?
Citizens Trust Bank holds $787 million in total assets, ranking 55th of 124 banks we track in Georgia. It operates 7 branches.
Does Citizens Trust Bank have CFPB complaints?
No CFPB complaints against Citizens Trust Bank 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.
