Citizens Bank & Trust, Inc.: Bank Stress & Real-Estate Credit Exposure
FDIC Certificate #27153 · Trenton, GA. This institution (Citizens Bank & Trust, Inc.) no longer appears in the current FDIC branch and deposit filings (#27153) that DLRadar scores; FDIC records the last Citizens Bank & Trust, Inc. day as a separately insured institution (#27153) as April 1, 2026. FDIC event for Citizens Bank & Trust, Inc.: Participated in Absorbtion/Consolidation/Merger (2026-04-01). DLRadar last scored Citizens Bank & Trust, Inc. (#27153) on September 20, 2026. The Citizens Bank & Trust, Inc. facts below are its last recorded footprint (#27153), kept as a permanent Citizens Bank & Trust, Inc. public record; the Citizens Bank & Trust, Inc. figures are not refreshed.
Citizens Bank & Trust, Inc. (#27153) carried no scored branch footprint (Citizens Bank & Trust, Inc.) in the FDIC filings DLRadar reads; the Citizens Bank & Trust, Inc. record exists because FDIC certificate 27153 was a separately insured Citizens Bank & Trust, Inc. institution in Trenton, GA, last seen by DLRadar (#27153) on September 20, 2026.
What the Citizens Bank & Trust, Inc. (#27153) record holds: FDIC certificate 27153 for Citizens Bank & Trust, Inc., closed as a separate Citizens Bank & Trust, Inc. charter on April 1, 2026; successor Cb&S Bank Inc (FDIC #15310) carries the Citizens Bank & Trust, Inc. footprint forward; FDIC event for Citizens Bank & Trust, Inc.: Participated in Absorbtion/Consolidation/Merger (2026-04-01); Citizens Bank & Trust, Inc. (#27153) first entered DLRadar on September 20, 2026.
How Citizens Bank & Trust, Inc. (#27153) was scored while active: the Citizens Bank & Trust, Inc. stress score read FDIC call-report financials (#27153) and the Summary of Deposits branch file for Citizens Bank & Trust, Inc., mapped Citizens Bank & Trust, Inc. branches to counties and ZIP codes (#27153), and weighted the Citizens Bank & Trust, Inc. real-estate loan concentration against its peers; the Citizens Bank & Trust, Inc. (#27153) figures on this page are the last such Citizens Bank & Trust, Inc. run and are not refreshed.
Citizens Bank & Trust, Inc. (#27153) net interest margin 5.27% against an eight-quarter Citizens Bank & Trust, Inc. (#27153) average of 5.22% (Citizens Bank & Trust, Inc. (#27153) compression -0.05 points); Citizens Bank & Trust, Inc. (#27153) rate-exposure score 40/100, Citizens Bank & Trust, Inc. (#27153) fixed-rate trap 40/100; Citizens Bank & Trust, Inc. (#27153) risk type credit driven; Citizens Bank & Trust, Inc. (#27153) rate regime rates elevated, Citizens Bank & Trust, Inc. (#27153) snapshot August 25, 2026.
Citizens Bank & Trust, Inc. (#27153) stress score held at 86.2 across 65 daily snapshots, June 22, 2026 to August 25, 2026.
Citizens Bank & Trust, Inc. (#27153) is chartered in Trenton, GA; FDIC lists Citizens Bank & Trust, Inc. (#27153) as inactive, succeeded by Cb&S Bank Inc.
Why this Citizens Bank & Trust, Inc. page exists: bank identities are historical data (#27153). When an institution such as Citizens Bank & Trust, Inc. merges or its charter ends, DLRadar keeps the Citizens Bank & Trust, Inc. profile so citations, links and the Citizens Bank & Trust, Inc. score history stay resolvable (#27153), and points Citizens Bank & Trust, Inc. to the successor where the FDIC records one. Every Citizens Bank & Trust, Inc. figure traces to public FDIC data (#27153).