CB&T BANCSHARES INC is the parent banking group. CITIZENS BANK & TRUST CO. is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

CB&T BANCSHARES INC

Legal name: CB&T BANCSHARES, INC.

1 active bank · $105M combined assets

RSSD ID: 2605249 (FFIEC NIC)

Combined Assets

$105M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCITIZENS BANK & TRUST CO.MARKS, MSSatisfactory$105MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$105M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$89M

Net Income

$233K

ROA (avg)

0.9%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

2,003

Origination Rate

82.83%

Denial Rate

8.34%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CITIZENS BANK & TRUST CO.	MARKS, MS	FDIC	$105M	100.0%	Satisfactory	Dec 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.