🏦Bank Scorer

CITIZENS BANK & TRUST

GUNTERSVILLE, AL · Supervised by FDIC

Est. 2003FDIC #57,483RSSD: FDIC-57483
Part ofCITIZENS B&T HOLDINGS INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.58%

Institution Profile

FDIC BankFind

Address

711 Gunter Ave, GUNTERSVILLE, AL

County

Marshall County

Established

March 3, 2003

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.1B

Net Loans

$605M

Net Income

$2M

ROA

0.58%

ROE

8.86%

Risk-Based Capital

15.85%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$994M

1-Year Change

0

5-year net change: +2 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 2005

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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