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Citizens Bank And Trust Company
Blackstone, VA · FDIC Certificate #823 · Chartered 07/1
Total assets
$577.55M
Total deposits
$485.50M
Total equity
$83.00M
Net loans
$284.80M
Branches (offices)
12
Net income (YTD)
$6.10M
Rank: #1,603 of 4,213 U.S. banks by assets · #36 of 56 in Virginia. Assets changed 2.8% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.11% |
| Return on equity | 15.05% |
| Net interest margin (YTD) | 4.55% |
| Equity to assets | 14.37% |
| Tier 1 leverage ratio | 15.39% |
| Uninsured deposits (share of deposits) | 21.9% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 58.7% |
| Real estate loans (share of loans) | 93.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $264.80M | 93.0% | |
| Commercial & industrial | $15.10M | 5.3% | |
| Consumer / individual | $8.48M | 3.0% | |
| Construction & development | $24.89M | 8.7% | |
| Agricultural | $25.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $579.08M | $518.43M | $3.50M | $52.16M |
| Jun 2023 | $553.80M | $495.26M | $4.82M | $53.08M |
| Jun 2024 | $556.25M | $483.96M | $4.57M | $61.25M |
| Jun 2025 | $561.56M | $478.33M | $5.13M | $73.14M |
| Jun 2026 | $577.55M | $485.50M | $6.10M | $83.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $485.50M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $485.50M.
Similar-sized banks
Southtrust Bank, N.A. ($578.80M) · United Bank Of Union ($577.55M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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