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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Atlanta, GA · FDIC certificate #8033
CITIZENS TRUST BANK is an FDIC-insured institution based in Atlanta, GA (FDIC certificate #8033). In its Q3 2026 Call Report it reported total assets of $788M, total deposits of $681M and net loans of $394M. Its primary federal regulator is FED.
Reported facts
Deterministic ratios for CITIZENS TRUST BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $681M |
|---|---|
| Net loans and leases | $394M |
Plain-language readout
CITIZENS TRUST BANK in Atlanta, GA funds its loans with $681M of deposits and holds $394M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for CITIZENS TRUST BANK in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 57.85% in Q3 2026, against 56.75% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $394M | $681M | 57.85% |
| Q2 2026 | $385M | $678M | 56.76% |
| Q1 2026 | $380M | $670M | 56.75% |