Citizens Bank & Trust
Headquarters: Guntersville, Alabama
Overview
Citizens Bank & Trust is an FDIC-insured bank headquartered in Guntersville, Alabama. It reported $1.17B in assets and $1.06B in deposits for the period ending March 31, 2026. Bankular currently lists 10 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 31, 2025 to March 31, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where Citizens Bank & Trust has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of Citizens Bank & Trust
Albertville Branch
324 N Broad St, Albertville, Alabama, 35950
Full-service branch · Opened October 25, 2004
Arab Branch
1205 N Brindlee Mountain Pkwy, Arab, Alabama, 35016
Full-service branch · Opened June 18, 2004
Cullman #2
1800 Park Ave, Cullman, Alabama, 35055
Full-service branch · Opened May 26, 2023
Cullman Branch
223 2nd Ave SE, Cullman, Alabama, 35055
Full-service branch · Opened September 19, 2017
Elkmont Branch
25530 Alabama Highway 127, Elkmont, Alabama, 35620
Full-service branch · Opened January 8, 2013
Hazel Green Branch
13870 Highway 231 431 N, Hazel Green, Alabama, 35750
Full-service branch · Opened April 23, 2007
Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $1.17B | $1.06B | $604.93M | 0.58% |
| December 31, 2025 | $1.09B | $991.35M | $622.29M | 0.58% |
| September 30, 2025 | $1.10B | $997.31M | $604.43M | 0.57% |
| June 30, 2025 | $1.09B | $994.00M | $603.44M | 0.55% |
| March 31, 2025 | $1.10B | $997.39M | $596.98M | 0.40% |
| December 31, 2024 | $1.03B | $909.78M | $569.60M | 0.46% |
| September 30, 2024 | $1.06B | $917.08M | $570.02M | 0.45% |
| June 30, 2024 | $1.05B | $903.03M | $566.66M | 0.54% |
Size and reach
How this institution compares
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More on Citizens Bank & Trust
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Branch locations
10 listed locations.
Explore →Compare this institution
Compare size, financial metrics, rates and access.
Explore →State banking market
Explore institutions and deposit-market context in Alabama.
Explore →Guntersville banking market
See local branches, competitors and market concentration.
Explore →Rankings and research
Place this institution in national and market context.
Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is Citizens Bank & Trust federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 57483.
Where is Citizens Bank & Trust headquartered?
Citizens Bank & Trust is headquartered in Guntersville, Alabama, at 711 Gunter Ave, Guntersville, Alabama, 35976.
How large is Citizens Bank & Trust?
It reported $1.17B in assets and $1.06B in deposits for the period ending March 31, 2026.
How many locations does Citizens Bank & Trust have?
Bankular currently lists 10 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.