Citizens Bank&Trust (FDIC #57483): Bank Stress & Real-Estate Credit Exposure
Citizens Bank&Trust (FDIC Cert #57483): bank stress 89/100, severe, STABLE over 7 days; parent CITIZENS B&T HOLDINGS INC.
Citizens Bank&Trust (#57483) lends in 6 counties across 1 state; Citizens Bank&Trust (#57483) reaches 92 ZIP codes: Alabama 6 counties, 92 ZIPs.
Citizens Bank&Trust (#57483) largest markets: Madison County, AL (50 branches, 25 ZIPs) (#57483), Jackson County, AL (22 branches, 22 ZIPs) (#57483), Cullman County, AL (38 branches, 19 ZIPs) (#57483), Marshall County, AL (54 branches, 18 ZIPs) (#57483), Limestone County, AL (15 branches, 15 ZIPs) (#57483), Lauderdale County, AL (10 branches, 10 ZIPs) (#57483).
Citizens Bank&Trust (#57483) reports $1.20 billion in total assets; Citizens Bank&Trust (#57483) equity $75.7 million (6.3% of Citizens Bank&Trust (#57483) assets); Citizens Bank&Trust (#57483) domestic deposits $1.10 billion; Citizens Bank&Trust (#57483) net income $3.5 million; Citizens Bank&Trust (#57483) return on assets 0.60%; Citizens Bank&Trust (#57483) return on equity 9.27%; Citizens Bank&Trust (#57483) net interest income $14.6 million; Citizens Bank&Trust (#57483) call report June 30, 2026.
Citizens Bank&Trust (#57483) noncurrent real-estate loans 0.01% of its book; Citizens Bank&Trust (#57483) net charge-offs on real estate 0.05%.
Citizens Bank&Trust (#57483) net interest margin 2.76% against an eight-quarter Citizens Bank&Trust (#57483) average of 2.61% (Citizens Bank&Trust (#57483) compression -0.16 points); Citizens Bank&Trust (#57483) real-estate loans 1.5% of equity; Citizens Bank&Trust (#57483) rate-exposure score 40/100, Citizens Bank&Trust (#57483) fixed-rate trap 40/100; Citizens Bank&Trust (#57483) risk type credit driven; Citizens Bank&Trust (#57483) rate regime rates elevated, Citizens Bank&Trust (#57483) snapshot October 19, 2026.
Citizens Bank&Trust (#57483) stress score moved from 88.5 on June 22, 2026 to 89.1 on October 20, 2026; Citizens Bank&Trust (#57483) ranged 88.5 to 89.1 over 117 snapshots.
Citizens Bank&Trust (#57483) alerts: 6 counties; top Citizens Bank&Trust (#57483) alert scores: Cullman County, AL 42 (moderate); Elkmont County, AL 29 (low); Guntersville County, AL 29 (low); New Hope County, AL 29 (low); Rogersville County, AL 29 (low).