Citizens Trust Bank (FDIC #8033): Bank Stress & Real-Estate Credit Exposure
Citizens Trust Bank (FDIC Cert #8033): bank stress 50/100, moderate, STABLE over 7 days; parent CITIZENS BANCSHARES CORP.
Citizens Trust Bank (#8033) lends in 4 counties across 2 states; Citizens Trust Bank (#8033) reaches 148 ZIP codes: Georgia 2 counties, 75 ZIPs; Alabama 2 counties, 73 ZIPs.
Citizens Trust Bank (#8033) largest markets: Jefferson County, AL (64 branches, 64 ZIPs) (#8033), Fulton County, GA (144 branches, 48 ZIPs) (#8033), Dekalb County, GA (72 branches, 36 ZIPs) (#8033), Greene County, AL (9 branches, 9 ZIPs) (#8033).
Citizens Trust Bank (#8033) reports $790.3 million in total assets; Citizens Trust Bank (#8033) equity $98.7 million (12.5% of Citizens Trust Bank (#8033) assets); Citizens Trust Bank (#8033) domestic deposits $678.1 million; Citizens Trust Bank (#8033) net income $6.2 million; Citizens Trust Bank (#8033) return on assets 1.58%; Citizens Trust Bank (#8033) return on equity 12.31%; Citizens Trust Bank (#8033) net interest income $16.0 million; Citizens Trust Bank (#8033) call report June 30, 2026.
Citizens Trust Bank (#8033) noncurrent real-estate loans: none reported; Citizens Trust Bank (#8033) net charge-offs on real estate 1.98%; Citizens Trust Bank (#8033) residential charge-offs 2.31%.
Citizens Trust Bank (#8033) net interest margin 4.28% against an eight-quarter Citizens Trust Bank (#8033) average of 4.49% (Citizens Trust Bank (#8033) compression 0.21 points); Citizens Trust Bank (#8033) non-residential real estate 230.9% of equity; Citizens Trust Bank (#8033) rate-exposure score 40/100, Citizens Trust Bank (#8033) fixed-rate trap 40/100; Citizens Trust Bank (#8033) risk type credit driven; Citizens Trust Bank (#8033) rate regime rates elevated, Citizens Trust Bank (#8033) snapshot October 20, 2026.
Citizens Trust Bank (#8033) stress score moved from 47.5 on June 22, 2026 to 50.2 on October 20, 2026; Citizens Trust Bank (#8033) ranged 47.5 to 50.2 over 117 snapshots.
Citizens Trust Bank (#8033) alerts: 4 counties; top Citizens Trust Bank (#8033) alert scores: Atlanta County, GA 17 (low); Birmingham County, GA 17 (low); Eutaw County, GA 17 (low); Stone Mountain County, GA 17 (low).