Bank · FDIC insured
Citizens Trust Bank
A $790.3M bank headquartered in Atlanta, GA, with 7 branches in 2 states. Best rates: CDs 1.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs611.25%for 9–15 monthsCD rates →
- Savings—0.10%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Trust Bank
Citizens Trust Bank is a Community Development Financial Institution (CDFI) owned by its parent company, Citizens Bancshares Corporation.
- Headquarters
- 965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314
- FDIC certificate
- 8033 ↗
Branches
7 branches in 2 states
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Georgia
5 branches
- Citizens Trust BankMain office965 Martin Luther King Jr Dr Nw, Atlanta, GA 30314Directions
- Cascade Branch3705 Cascade Rd Sw, Atlanta, GA 30331Directions
- East Point Branch2840 E Point St, East Point, GA 30344Directions
- Panola Road Branch2727 Panola Rd, Lithonia, GA 30058Directions
- Rockbridge Plaza Branch5771 Rockbridge Rd, Stone Mountain, GA 30087Directions
Alabama
2 branches
Birmingham area · 1
- Third Avenue Branch1700 3rd Ave N, Birmingham, AL 35203Directions
Tuscaloosa area · 1
- Eutaw Branch213 Main St, Eutaw, AL 35462Directions
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 | 13.24% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.63% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.58% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $57 | $81 | — |
- CapitalLeverage ratio13.24%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.63%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.58%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$57Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 Trust Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.