Citizens Bank&Trust (FDIC #5673): Bank Stress & Real-Estate Credit Exposure
Citizens Bank&Trust (FDIC Cert #5673): bank stress 73/100, elevated, STABLE over 7 days; parent CITIZENS BANKING CORP.
Citizens Bank&Trust (#5673) lends in 3 counties across 1 state; Citizens Bank&Trust (#5673) reaches 124 ZIP codes: Florida 3 counties, 124 ZIPs.
Citizens Bank&Trust (#5673) largest markets: Hillsborough County, FL (116 branches, 58 ZIPs) (#5673), Polk County, FL (585 branches, 45 ZIPs) (#5673), Pasco County, FL (32 branches, 32 ZIPs) (#5673).
Citizens Bank&Trust (#5673) reports $1.48 billion in total assets; Citizens Bank&Trust (#5673) equity $60.8 million (4.1% of Citizens Bank&Trust (#5673) assets); Citizens Bank&Trust (#5673) domestic deposits $1.40 billion; Citizens Bank&Trust (#5673) net income $10.5 million; Citizens Bank&Trust (#5673) return on assets 1.43%; Citizens Bank&Trust (#5673) return on equity 36.22%; Citizens Bank&Trust (#5673) net interest income $23.0 million; Citizens Bank&Trust (#5673) call report June 30, 2026.
Citizens Bank&Trust (#5673) noncurrent real-estate loans: none reported; Citizens Bank&Trust (#5673) net charge-offs on real estate 0.46%; Citizens Bank&Trust (#5673) residential charge-offs 0.83%.
Citizens Bank&Trust (#5673) net interest margin 3.25% against an eight-quarter Citizens Bank&Trust (#5673) average of 2.99% (Citizens Bank&Trust (#5673) compression -0.26 points); Citizens Bank&Trust (#5673) non-residential real estate 83.4% of equity; Citizens Bank&Trust (#5673) rate-exposure score 40/100, Citizens Bank&Trust (#5673) fixed-rate trap 40/100; Citizens Bank&Trust (#5673) risk type credit driven; Citizens Bank&Trust (#5673) rate regime rates elevated, Citizens Bank&Trust (#5673) snapshot October 19, 2026.
Citizens Bank&Trust (#5673) stress score moved from 71.4 on June 22, 2026 to 72.6 on October 20, 2026; Citizens Bank&Trust (#5673) ranged 71.4 to 72.6 over 117 snapshots.
Citizens Bank&Trust (#5673) alerts: 3 counties; top Citizens Bank&Trust (#5673) alert scores: Dade City County, FL 26 (low); Valrico County, FL 26 (low); Winter Haven County, FL 26 (low).