Citizens Bank & Trust
Guntersville, Alabama, Marshall County
$1.2B in total assets, the 913th largest of 4,309 US banks and 13th of 93 headquartered in Alabama.
- FDIC certificate
- 57483
- Established
- 2003
- Owned by
- Citizens B&t Holdings Inc
- Primary regulator
- FDIC
At a glance
Compared with 15 banks headquartered in Alabama with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.2B | 33% | $1.4B | |
| Loans | $624M | 20% | $942M | |
| Deposits | $1.1B | 33% | $1.2B | |
| Return on assets | 0.60% | 7% | 1.28% | |
| Net interest margin | 2.76% | 2% | 3.72% | |
| Efficiency ratio | 78.1% | 93% | 61.4% | |
| Equity to assets | 6.30% | 7% | 9.41% | |
| Loans to deposits | 57% | 2% | 73% |
Growth
Total assets grew 7.7% a year over the last 5 years and 11.8% a year over 10 years, without acquisitions.
Where they operate
10 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Marshall County, AL | $836M | 29.8% | 1 of 17 |
| Madison County, AL | $88M | 0.8% | 21 of 35 |
| Cullman County, AL | $87M | 3.4% | 9 of 12 |
| Lauderdale County, AL | $40M | 1.5% | 13 of 16 |
| Jackson County, AL | $33M | 2.8% | 6 of 8 |
| Limestone County, AL | $19M | 1.3% | 10 of 12 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (7 to 10, +42.9%). 5 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2017 | Opened Cullman | 1 | 0 | +1 | 8 |
| 2022 | Opened New HopeClosed New Hope | 1 | 1 | 0 | 8 |
| 2023 | Opened Cullman and Scottsboro | 2 | 0 | +2 | 10 |
| 2026 through Q2 | Opened ScottsboroClosed Scottsboro | 1 | 1 | 0 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 42% | 35% | |
| 1-4 family residential | 30% | 22% | |
| Business (C&I) | 12% | 17% | |
| Construction and land | 7% | 11% | |
| Multifamily | 3% | 6% | |
| Consumer | 3% | 5% | |
| Farmland | 2% | 1% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 55% | 51% | |
| Time deposits | 25% | 25% | |
| Noninterest-bearing | 20% | 24% |
Brokered deposits are 0.0% of deposits (peers 2.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.08% | 0.56% |
| Net charge-offs, annualized | 0.03% | 0.20% |
| Reserves to loans | 1.04% | 1.20% |
| Leverage ratio | 8.93% | 9.82% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Alabama
Largest competitors in Marshall County, AL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/citizens-bank-trust-guntersville-al