Citizens Bank&Trust Co (FDIC #823): Bank Stress & Real-Estate Credit Exposure
Citizens Bank&Trust Co (FDIC Cert #823): bank stress 33/100, contained, STABLE over 7 days; parent CITIZENS BCORP OF VIRGINIA INC.
Citizens Bank&Trust Co (#823) lends in 7 counties across 1 state; Citizens Bank&Trust Co (#823) reaches 51 ZIP codes: Virginia 7 counties, 51 ZIPs.
Citizens Bank&Trust Co (#823) largest markets: Chesterfield County, VA (16 branches, 16 ZIPs) (#823), Mecklenburg County, VA (13 branches, 13 ZIPs) (#823), Prince Edward County, VA (24 branches, 12 ZIPs) (#823), Nottoway County, VA (40 branches, 8 ZIPs) (#823), Powhatan County, VA (5 branches, 5 ZIPs) (#823), Amelia County, VA (5 branches, 5 ZIPs) (#823).
Citizens Bank&Trust Co (#823) reports $577.6 million in total assets; Citizens Bank&Trust Co (#823) equity $83.0 million (14.4% of Citizens Bank&Trust Co (#823) assets); Citizens Bank&Trust Co (#823) domestic deposits $485.5 million; Citizens Bank&Trust Co (#823) net income $6.1 million; Citizens Bank&Trust Co (#823) return on assets 2.11%; Citizens Bank&Trust Co (#823) return on equity 15.05%; Citizens Bank&Trust Co (#823) net interest income $12.3 million; Citizens Bank&Trust Co (#823) call report June 30, 2026.
Citizens Bank&Trust Co (#823) noncurrent real-estate loans: none reported; Citizens Bank&Trust Co (#823) net charge-offs on real estate 0.23%; Citizens Bank&Trust Co (#823) residential charge-offs 0.39%.
Citizens Bank&Trust Co (#823) net interest margin 4.55% against an eight-quarter Citizens Bank&Trust Co (#823) average of 4.22% (Citizens Bank&Trust Co (#823) compression -0.33 points); Citizens Bank&Trust Co (#823) non-residential real estate 39.0% of equity; Citizens Bank&Trust Co (#823) rate-exposure score 40/100, Citizens Bank&Trust Co (#823) fixed-rate trap 40/100; Citizens Bank&Trust Co (#823) risk type rate trapped; Citizens Bank&Trust Co (#823) rate regime rates elevated, Citizens Bank&Trust Co (#823) snapshot October 20, 2026.
Citizens Bank&Trust Co (#823) stress score moved from 38 on June 22, 2026 to 33.1 on October 20, 2026; Citizens Bank&Trust Co (#823) ranged 33.1 to 38 over 117 snapshots.
Citizens Bank&Trust Co (#823) alerts: 7 counties; top Citizens Bank&Trust Co (#823) alert scores: Colonial Heights County, VA 26 (low); Powhatan County, VA 23 (low); Amelia Court House County, VA 15 (low); Chester County, VA 15 (low); Crewe County, VA 15 (low).