Citizens Bank and Trust Company: how it compares with its peers
Against 18 VA banks with half to twice its assets, Citizens Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (4.55% vs. a 3.98% peer median). Its weakest relative measure is assets per employee ($6.4M vs. $6.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.11% | 1.17% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.55% | 3.98% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.92% | 62.18% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.6M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.66% | 85.21% | Context |
What it means for lending operations
Its efficiency ratio of 46.92% is better than the 62.18% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Select Bank Forest, VA · $524M
- The Bank of Marion Marion, VA · $634M
- Powell Valley National Bank Jonesville, VA · $516M
- The Bank of Southside Virginia Carson, VA · $670M
- TruPoint Bank Grundy, VA · $691M
- First Sentinel Bank Richlands, VA · $398M
Questions about Citizens Bank and Trust Company
How big is Citizens Bank and Trust Company?
Citizens Bank and Trust Company, established in 1873, is headquartered in Blackstone, VA. It reported $578M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Citizens Bank and Trust Company's return on assets?
2.11% annualized in Q2 2026, against a 1.17% median for 18 VA banks with half to twice its assets, ahead of 83% of them.
What is Citizens Bank and Trust Company's efficiency ratio?
46.92% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 62.18%, and lower is better.
Is Citizens Bank and Trust Company growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits grew 1.5%.
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 VA 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 Virginia bank ranked.