Bank · FDIC insured
Citizens Bank & Trust
A $1.2B bank headquartered in Guntersville, AL, with 10 branches in Alabama.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank & Trust
Locally owned Citizens Bank & Trust was founded in 2003 and is based in North Alabama.
The bank operates branches across Albertville, Arab, Cullman, Guntersville, Hazel Green, New Hope, Elkmont, and Rogersville.
- Headquarters
- 711 Gunter Ave, Guntersville, AL 35976
- FDIC certificate
- 57483 ↗
Branches
10 branches in Alabama
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Alabama
10 branches
Albertville area · 3
- Citizens Bank & TrustMain office711 Gunter Ave, Guntersville, AL 35976Directions
- Albertville Branch324 N Broad St, Albertville, AL 35950Directions
- Arab Branch1205 N Brindlee Mountain Pkwy, Arab, AL 35016Directions
Huntsville area · 3
- Elkmont Branch25530 Alabama Highway 127, Elkmont, AL 35620Directions
- Hazel Green Branch13870 Highway 231 431 N, Hazel Green, AL 35750Directions
- New Hope Branch Hwy 431 South4615 Main Dr, New Hope, AL 35760Directions
Cullman area · 2
- Cullman #2 - Hwy 157 Branch1800 Park Ave, Cullman, AL 35055Directions
- Cullman Branch223 2nd Ave Se, Cullman, AL 35055Directions
Florence area · 1
- Rogersville Branch1565 Lee St, Rogersville, AL 35652Directions
Scottsboro area · 1
- Scottsboro Branch Hwy 7223817 John T Reid Pkwy, Scottsboro, AL 35768Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.93% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.08% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.60% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $57 | $88 | — |
- CapitalLeverage ratio8.93%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.08%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.60%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$57Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.