# CITIZENS TRUST BANK
ATLANTA, GA · FDIC certificate 8033 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $790.3M | |
| Deposits | $678.1M | |
| Loans and leases | $389.8M | |
| Total equity | $98.7M | |
| Loans / deposits | 56.76% (p10 of band) | 82.04% |
| Liquid assets / assets | 46.21% (p90 of band) | |
| Uninsured deposits / deposits | 48.15% (p94 of band) | 25.97% |
| Brokered deposits | 0.11% | |
| Wholesale funding | 0.19% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.24% (p81 of band) | 10.81% |
| Unrealized securities loss / equity | -10.85% (p41 of band) | -8.10% |
| AOCI / equity | -2.35% (p6 of band) | |
| ROA (annualized) | 1.58% (p69 of band) | 1.28% |
| Net interest margin | 4.28% (p71 of band) | 3.91% |
| Efficiency ratio | 54.11% (p28 of band) | |
| Noncurrent loans | 1.63% (p84 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p64 of band) | |
| Reserve coverage of noncurrent | 77.24% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 48.35% (p55 of band) | |
| Auto loans | $1.2M (0.32% of loans; DQ 6.97%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 81 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 2 | capital falling | losing money |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | expense ratio p90, deposits shrinking | capital falling |
| 2012-09 | 1 |  | expense ratio p90, deposits shrinking |
| 2012-12 | 2 | noncurrent p90 |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | noncurrent p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 | noncurrent p90 | capital falling |
| 2014-12 | 1 |  | noncurrent p90 |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2015-12 | 1 |  | deposits shrinking, assets shrinking |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2018-12 | 1 |  | reserve under noncurrent, assets shrinking |
| 2019-03 | 1 | reserve under noncurrent | deposits shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | charge-offs p90 | reserve under noncurrent |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 2 | uninsured deposits >50% |  |
| 2022-09 | 4 | AOCI drag >20% of equity, noncurrent p90, reserve under noncurrent | NIM <2.5% |
| 2022-12 | 1 |  | AOCI drag >20% of equity, noncurrent p90, reserve under noncurrent |
| 2023-03 | 1 |  |  |
| 2023-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  | uninsured deposits >50% |
| 2023-12 | 3 | uninsured deposits >50% | uninsured deposits leaving |
| 2024-03 | 1 |  | deposits shrinking, assets shrinking |
| 2024-06 | 0 |  | uninsured deposits >50% |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | reserve under noncurrent |  |
| 2025-03 | 0 |  | reserve under noncurrent |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-11-30 [TD Bank invests $5 million in Citizens Trust Bank, a Minority-Owned Financial Institution Serving the Atlanta Region for Over 100 Years - TD Stories](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNT0tha2M3cU9yOFJybE1pZFNZbGhzSE02d1lseTFuU2U0ZERGemdxeDJFYlpyaUJHNk1tbV9TRUQxTGFGR0hyTFpmRkh3NnVyUW5YdFY1T3hIWURkTDhuaEVuajg0Yk9GODBBUkxaVExGMnR1TGlCVVRZY3Z0UHRvaVZmZWgzcjVFMUJNcW9xN0d5WWpWeWstQXRXeUpsT2xZdVJZd2ZLcFp4V0lXZVBidGtNVW1GSFBsUm8wb2Y3MTk3eFBGYy0zbFRsN1JlSEszX0lwLWJGVkpBT09uUEJta1ZmVVEwdENpanpZWnNmdUFjdWtiSnc1ckFKV0NmdTg?oc=5) · TD Stories
- 2025-01-31 [Citizens Trust Bank Announces Sherry L. Martin, as Senior SBA and GA/TN Commercial Team Leader - PR Newswire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNQ1MwVmM1VHVSWHRUQkpvSkhmU011WmNaaVE4MG8zdGtQZ1BLeVZHYTYzbkdJU3RBRXN3NG41MktTdDA2LVRrdnNEUkFZekVXNXkyLThXRTlGNGhWckJKV0ItelI1MDhQbE9XWHphOUtVbzk2ZWhjcjZnWTRHZzZaUENodzRlTnowU1o2eFdnRFdxQ1RrT3BqX0ZvTmFRYlNaaEItd3lnVTN3bGRaUUFlWEFsMWJvMDIwaVctRzYzZ1JOc3M1Y3FFYXdhR2NsNkZYM3BMdEFqeXNFY1NQdTBnLQ?oc=5) · PR Newswire
- 2025-02-06 [Historic marker honors Black-owned Citizens Trust Bank and its legacy - SaportaReport](https://news.google.com/rss/articles/CBMixAFBVV95cUxPYTJMcXlFYWp3Q1ptTFpBODUwOTBNbEt6cXpGU0tveG05SS1pRUJ4NlQwaFEzR2FpNTNyZXk3Rm1LWFFtY3RzTklpZ1NKQU1uR2FJNVI1ak5sOU9CSXhORlY0YjlDY0JUTHlvUEc5ZTRMX0ZJSWxIZzBXeWY4UVhfQnd1NHZvOXJISXhjUHg1OEwyUEJEWl8zekdGeHBGUFFUa3BMMjFwOXJnWDBtM2taMEFJUlVkcUxQVUtKOHVSR2dNSWxG?oc=5) · SaportaReport
- 2023-02-24 [Black Banks in Atlanta Continue as Bastion of Fiscal Strength - Governing](https://news.google.com/rss/articles/CBMimwFBVV95cUxNNGtOS0RUd0NEajg0NUk0QmJxemlsUXc4c2gzSGZNR1dCY2F2VUh2UEJsTVFFc3lVbDhCVzYxZndYUmZaZU0yRlhkZHFERWE1SVBGREd2UXdoc3dka1hIclY0SE9yMkN1aUNhM3dxcU9vQVlKMVJnMjNxdGkzT1loN1pXYVhXdEJOZmFnZzBROEhvaUpLaXQ0LVdoWQ?oc=5) · Governing
- 2021-04-13 [Wells Fargo Invests in Five Additional Black-Owned Banks - newsroom.wf.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPaTl5V0tGVWhleUZCQUxkMUdoRFNlU09qbFFhZFVaYmtiSHFOV0JKX2hkZ0lnQy1VOW1uQVUySndhTDkxQmc0Z3ZHNThlY3Z1TFNkTE9ZS0NJSDJ0Q0kxMXdERFpRMWlOV0FiUmZ0WXp1Z3hJWFAyTEFTR2lPdVA2VFZ2NExsVHJkdW5teUNoU0htdlBHcUlTY0Vnb1Z4NjVrT18wa2U0OEpTZ2dZNkpMV0tzR3pIajZ5M2lncUtkU3hZRnZiWDBlRVdOZ1M0alI1SE1RWkpwbG8?oc=5) · newsroom.wf.com
- 2025-02-07 [Citizens Trust Bank historical marker - FOX 5 Atlanta](https://news.google.com/rss/articles/CBMilwFBVV95cUxOUUVQRWFrRXp0b2pOcGlpWWtBYmdOQzQyU0pKRVNOaVRxMFI1S19CaGhhS2ZDeUhtWFhvZVlaV1RnV3g5Rkx3SEdfX0NWZ0dsRzdXTWZvSWN4Ty0wWU5Xc0l6dUNJN0s5eEFvQkJCTHh3VG9EcFlkU0lDeTFHeWk5YkhGX0VVYlU3RkZVZzRMaHVPY2lnUW1r0gGcAUFVX3lxTFBQQnJvX2lmalVrSEpuanZfWmF4VnJfSmI1amNUQzZsRkFuNkdFQ21uVGFtSnlnSVhwcl9Nd3NROEJ1bmtHMEJibjZUM29XQU0xeW9UOFc3STR4NnBHM3l6ZFJzLXFRUXd3OTc2Y284eTRyelg4UTd2UTNGem1uME5LQktfMExwY2FKdjc0VjVGVmQyZldRdHdxUjZLVQ?oc=5) · FOX 5 Atlanta
- 2023-12-12 [Citizens Trust Bank (GA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihgFBVV95cUxNSTJoSWRZU2ZmMXVocEhzWVh3aWFkcU9fRXJCSTBBQnBkWnNXZ29wYUtiRndKM2J1b2N0a0I1TjYycmRvcV9CUGNIN1dEQTltZi0wS0FDWEk4N1F2eGNZS1ZMYVRmNFZaRGdDRmtQNHRxOEE5SDFGcFdIWG8wc29sWno1WWtLZw?oc=5) · SmartAsset
- 2023-02-08 [First Black-owned Atlanta-based bank to join FDIC celebrates it’s legacy - Atlanta News First](https://news.google.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?oc=5) · Atlanta News First

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8033 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "8033", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide