Citizens Bank And Trust Company
FDIC #823
📍 Blackstone, Virginia
Citizens Bank And Trust Company is a commercial bank, state charter and fed member, supervised by the federal reserve (frb). established in 07/15/1873. With assets of $547.69 Million, it operates 12 domestic branches.
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Community Reinvestment Act (CRA) Rating
Latest Exam: September 27, 2021
What is CRA? The Community Reinvestment Act (CRA) is a federal law that encourages banks to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods.
Rating History
September 27, 2021
Satisfactory
September 12, 2016
Satisfactory
September 24, 2012
Satisfactory
💰 Financial Strength
Total Assets$547.69 Million
Total Deposits$488.84 Million
Equity Capital$51.35 Million
Net Income$7.36 Million
📈 Performance
ROA1.74%
ROE18.92%
Financial Terms:
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
📋 Corporate Structure
Established07/15/1873
FDIC Cert823
Holding CoCitizens Bcorp Of Virginia Inc
Parent CertNA - Not listed as a child of a larger bank.
Last ChangeAugust 31, 2022
Foreign Offices0
SAIF InsuredNo
State CharteredYes
🕰️ Lobby Hours
Monday9:00 AM - 5:00 PM
Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 5:30 PM
Saturday9:00 AM - 12:00 PM
SundayClosed
📜 Institutional History
1995
Relocation
Moved HQ to: 126 South Main Street, Blackstone, VA 23824.