CITIZENS BANK&TRUST INC
TRENTON, GEORGIA · FDIC Cert #27153
Capital & Safety Analysis
According to FDIC financial data, CITIZENS BANK&TRUST INC holds a Tier 1 capital ratio of 21.76%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning CITIZENS BANK&TRUST INC has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
CITIZENS BANK&TRUST INC shows strong financial health indicators. With $125M in assets and a Health Score of 98/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CITIZENS BANK&TRUST INC has a Bank Health Score of A (98/100). It holds a Tier 1 capital ratio of 21.76%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CITIZENS BANK&TRUST INC holds $125M in total assets and $112M in total deposits. It is located in TRENTON, GEORGIA (FDIC Certificate #27153).
CITIZENS BANK&TRUST INC has a Tier 1 capital ratio of 21.76%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.32%, and the return on assets is 1.95%.
Yes. CITIZENS BANK&TRUST INC is FDIC-insured (Certificate #27153). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.