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Citizens Bank and Trust Company


Citizens Bank and Trust Company is an FDIC insured institution headquartered at 126 S Main St, Blackstone, VA 23824.
It was founded in 1873 and has approximately $1 billion in assets. Customers can open an account at one of its 11 branches.

Deposit Rates - May 12, 2025

SAVINGS RATES APY MIN
Savings
0.20% $1 Compare
CD RATES APY MIN
6 Mo CD
0.20% $1,000 Compare
12 Mo CD
0.25% $1,000 Compare
18 Mo CD
0.25% $1,000 Compare
24 Mo CD
0.30% $1,000 Compare
30 Mo CD
0.30% $1,000 Compare
Special: 36 Mo CD
0.50% $500 Compare
36 Mo CD
0.35% $1,000 Compare
48 Mo CD
0.40% $1,000 Compare
60 Mo CD
0.75% $1,000 Compare
MM RATES APY MIN
Money Market
0.15% $2,500 Compare
Money Market
0.15% $10,000 Compare
Money Market
0.20% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $1

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 823
Date Established 1873
Assets $ 552.52 million
Loans $ 266.44 million
Deposits $ 472.54 million
Capital $ 66.25 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 6.84 million
Interest-bearing balances $ 0.49 million
Total securities $ 224.65 million
Federal funds sold and reverse repurchase $ 21.10 million
Net loans and leases $ 266.44 million
Loan loss allowance $ 3.33 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.53 million
Goodwill and other intangibles N.A.
All other assets $ 21.79 million
     Total Assets $ 486.28 million

LIABILITIES
Total deposits $ 472.54 million
      Interest-bearing deposits $ 362.82 million
      Deposits held in domestic offices $ 472.54 million
      % insured (estimated)" 77.44%
Federal funds purchased and repurchase agreements $ 10.12 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 3.96 millionn
      Total Liabilities $ 486.28 million
      Shareholders’ Equity $ 66.25 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 24.84 million
Total Interest Expense $ 4.25 million
Net interest income $ 20.59 million
Provision for loan and lease losses $ 0.36 million
Total non interest income $ 3.22 million
Total non interest expense $ 12.14 million
Pre-tax Net Operating Income $ 4.35 million

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Citizens Bank and Trust Company Locations

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