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Citizens Trust Bank

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Citizens Trust Bank Rates & Review May 2026

Q: How many branches does Citizens Trust Bank operate?

Citizens Trust Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Citizens Trust Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Trust Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 12, 2026

You can compare Citizens Trust Bank rates to other rates in our database, including 12-month CD rates currently at 3.24%, 6-month CD rates at 0.19% and 3-month CD rates at 1.50%. Savings rates are at 0.25% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.50%. All these rates can be compared to Citizens Trust Bank rates. MonitorBankRates evaluates the financial stability of Citizens Trust Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.50%. Rates were last updated on 05/12/2026.

Citizens Trust Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Trust Bank? Share your experience about Citizens Trust Bank by leaving a review below, or read customer reviews before you decide to use Citizens Trust Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.50%

Excellent Lower than avg

Citizens Trust Bank

965 Martin Luther King Jr Dr Nw
Atlanta, GA 30314

https://www.ctbconnect.com

Current Rate Availability

We do not have Citizens Trust Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Trust Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens Trust Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens Trust Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Trust Bank

Bank Holding Company CITIZENS BANCSHARES CORP

Address 965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314 · Fulton

Website https://www.ctbconnect.com

FDIC Certificate # 8033

Established 06/18/1921

FDIC Insurance Date 01/01/1934

Domestic Offices 7

Total Branches 7

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.50%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.0473%

Return on Equity (ROE) 23.1400%

Non-Performing Loans (NPL) 0.21%

Total Assets $795,547,000

Total Deposits $682,470,000

Equity Capital $101,797,000

Net Income $14,039,000

Headquarters Atlanta

Total Offices 7

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Citizens Trust Bank

How many branches does Citizens Trust Bank operate?

Citizens Trust Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens Trust Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Trust Bank provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Trust Bank offer online and mobile banking?

Most modern institutions like Citizens Trust Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ctbconnect.com.