Citizens Bank and Trust Inc.
Trenton, GA·RSSD 1163283·FDIC 27153·bank:1163283·Risk-based ratios where reported
- #113 of 129Total assets in Georgia
- 3offices
- 39employees
- Top 4%Net interest margin in the U.S.
- Top 5%Lowest cost of deposits in the U.S.
- Top 7%Cost of deposits vs. peers
Performance over time
22 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Citizens Bank and Trust Inc.
4 of 24 FORFI signals stand out against 1246 similar banks, based on FDIC data for the quarter.
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency144.0%peers 64.6%+79.4 pp
Citizens Bank and Trust Inc.'s efficiency ratio rose 82.2 percentage points over the past year to 144.0%. Among 1246 similar banks, the median fell 2.9 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 144.0% | 64.6% | +79.4 pp |
| 12-month change | ||
| +82.2 pp | -2.9 pp | +85.1 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1246 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Citizens Bank and Trust Inc. itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesWorth a look: Earnings-2.65%peers 1.19%-385 bps
Citizens Bank and Trust Inc.'s annualized return on assets fell 421 bps over the past year to -2.65%. Among 1246 similar banks, the median rose 17 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| -2.65% | 1.19% | -385 bps |
| 12-month change | ||
| -421 bps | +17 bps | -437 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1246 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Citizens Bank and Trust Inc. itself is left out of every peer median and percentile. How signals work
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality0.40%peers 0.00%+40 bps
Citizens Bank and Trust Inc.'s annualized net charge-off rate rose 55 bps over the past year to 0.40%. Among 1229 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 0.40% | 0.00% | +40 bps |
| 12-month change | ||
| +55 bps | 0 bps | +55 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1246 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Citizens Bank and Trust Inc. itself is left out of every peer median and percentile. How signals work
Deposit costs among the lowest of similar banksStrength: Funding0.86%peers 1.71%-85 bps
Citizens Bank and Trust Inc.'s cost of all deposits was 0.86%, compared with a median of 1.71% among 1237 similar banks: lower than 93% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 0.86% | 1.71% | -85 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1246 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Citizens Bank and Trust Inc. itself is left out of every peer median and percentile. How signals work
Key facts
- Citizens Bank and Trust Inc. is a bank headquartered in Trenton, Georgia. It reported $135 million in total assets for the quarter ended March 31, 2026.
- Deposits totaled $119 million, up 1.3% from a year earlier, and loans totaled $79.8 million, down 0.7%.
- Its net interest margin was 5.34% and its annualized return on assets was -2.65% for the quarter.
- Its cost of all deposits was 0.86%, compared with a median of 1.71% among 1237 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Citizens Bank and Trust Inc.'s own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Citizens Bank and Trust Inc. · Bank
- Federal Reserve RSSD
- 1163283
- FDIC certificate
- 27153
- Reporting period
- Peer group
- 1246 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Citizens Bank and Trust Inc. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$867K | — | |
| $1.89M | — | |
| $247K | — | |
| $1.64M | — | |
| $261K | — | |
| $2.74M | — | |
| $33K | — | |
| $33K | — | |
| -2.65% | -2.62%ROAQ · Quarter | |
| 5.34% | 5.27%NIMYQ · Quarter | |
| 143.99% | 143.99%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-24T23:15:30.441988+00:00. Separate reference provenance is included in the export.