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

Bank Holding Company

CITIZENS B&T HOLDINGS INC

Legal name: CITIZENS B & T HOLDINGS, INC.

1 active bank · $1.2B combined assets

RSSD ID: 3439179 (FFIEC NIC)

Combined Assets

$1.2B

CRA Rating Summary

Satisfactory1charter

Across all 7 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCITIZENS BANK & TRUSTGUNTERSVILLE, ALSatisfactory$1.2BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.2B

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$1.1B

Net Income

$2M

ROA (avg)

0.58%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

110

Origination Rate

68.18%

Denial Rate

10.91%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CITIZENS BANK & TRUST	GUNTERSVILLE, AL	FDIC	$1.2B	100.0%	Satisfactory	Nov 2025

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