Citizens Bank & Trust: how it compares with its peers
Against 20 AL banks with half to twice its assets, Citizens Bank & Trust's strongest measure in Q2 2026 is assets per employee ($8.0M vs. a $7.4M peer median). Its weakest relative measure is net interest margin (2.76% vs. 3.76%).
| Measure | Citizens Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.60% | 1.29% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.76% | 3.76% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.11% | 59.99% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $7.4M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.99% | 72.73% | Context |
What it means for lending operations
Its efficiency ratio of 78.11% is above the 59.99% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Metro Bank Pell City, AL · $1.18B
- First US Bank Birmingham, AL · $1.15B
- AuburnBank Auburn, AL · $1.09B
- CommerceOne Bank Birmingham, AL · $1.06B
- SouthPoint Bank Birmingham, AL · $1.36B
- First Bank of Alabama Talladega, AL · $1.36B
Questions about Citizens Bank & Trust
How big is Citizens Bank & Trust?
Citizens Bank & Trust, established in 2003, is headquartered in Guntersville, AL. It reported $1.20B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Citizens Bank & Trust's return on assets?
0.60% annualized in Q2 2026, against a 1.29% median for 20 AL banks with half to twice its assets, ahead of 15% of them.
What is Citizens Bank & Trust's efficiency ratio?
78.11% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 59.99%, and lower is better.
Is Citizens Bank & Trust growing its loans?
Net loans grew 2.3% over the year to Q2 2026, while deposits grew 10.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.