This institution is no longer active

Operations ceased on April 1, 2026. CRA examination history below reflects the period it was active.

CITIZENS BANK & TRUST, INC.

TRENTON, GA · Supervised by FDIC

Est. 1988FDIC #27,153RSSD: FDIC-27153

Part ofTAG BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: October 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -2.62%

Is this bank safe?

CITIZENS BANK & TRUST, INC. holds a Satisfactory CRA rating (1995), shows financial metrics that merit closer review (ROA -2.62%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

12255 S Main St, TRENTON, GA

County

Dade County

Established

January 18, 1988

Total Assets

$135M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$135M

Total Deposits

$119M

Net Loans

$78M

Net Income

$-867K

ROA

-2.62%

Below avg for Small banks. Peer avg: 0.44%

ROE

-23.38%

Risk-Based Capital

23.18%

Above avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-2.62%Peer avg: 0.44%▼ Below avg

Risk-Based Capital23.18%Peer avg: 23.03%▲ Above avg

Mortgage Denial Rate2.52%Peer avg: 6.90%▼ Fewer than avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$115M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	119	94.12%	2.52%
2023	99	88.89%	5.05%
2022	144	94.44%	0.69%
2021	180	94.44%	1.11%
2020	174	95.4%	4.02%
2019	142	95.77%	4.23%
2018	126	99.21%	0.79%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 1995	Satisfactory	Not Reported
May 1993	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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