Citizens Bank And Trust is a bank based in Frostproof, Florida, established in 1920, with $1.5 billion in total assets across 17 branches. By Trust Grade it ranks 81st of 83 banks we track in Florida. Its capital ratio of 3.9% trails most similarly sized banks (1th percentile), versus a Florida median of 9.3%. It was profitable over the most recent period, with a 1.46% return on assets. No consumer complaints against Citizens Bank And Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens Bank And Trust compares to Florida peers
How we graded Citizens Bank And Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Below the well-capitalized threshold (3.9%)
- Strongly profitable (ROA 1.46%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens Bank And Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (17)
- 222 State Road 60 E, Lake Wales, FL 33853
- 1013 Highway 542, Dundee, FL 33838
- 36250 Us Hwy 27 N, Haines City, FL 33844
- 1120 1st St S, Winter Haven, FL 33880
- 2 E Wall St, Frostproof, FL 33843
- 23725 Hwy 27, Lake Wales, FL 33859
- 211 Havendale Blvd, Auburndale, FL 33823
- 222 State Road 60 E, Lake Wales, FL 33853
- 1016 Bloomingdale Ave, Valrico, FL 33596
- 6340 Cypress Gardens Blvd, Winter Haven, FL 33884
- 1985 E Edgewood Dr, Lakeland, FL 33803
- 402 S Kentucky Ave, Lakeland, FL 33801
- 1450 N Broadway Ave, Bartow, FL 33830
- 214 Weat Broadway Street, Fort Meade, FL 33841
- 13744 7th St, Dade City, FL 33525
- 5850 S Florida Ave, Lakeland, FL 33813
- 3019 James L Redman Parkway, Plant City, FL 33566
Are deposits at Citizens Bank And Trust insured?
Yes. Citizens Bank And Trust is an FDIC-insured bank (FDIC certificate #5673). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Citizens Bank And Trust: frequently asked questions
Is Citizens Bank And Trust a good bank?
Citizens Bank And Trust earns a Bankzia Trust Grade of D (68/100, "Below average"), based on a financial-strength score of 68/100 (it has no CFPB complaints on record). Below the well-capitalized threshold (3.9%); Strongly profitable (ROA 1.46%).
Is Citizens Bank And Trust FDIC-insured?
Yes. Citizens Bank And Trust is a FDIC-insured bank (FDIC certificate #5673). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens Bank And Trust?
Citizens Bank And Trust holds $1.5 billion in total assets, ranking 81st of 83 banks we track in Florida. It operates 17 branches.
Does Citizens Bank And Trust have CFPB complaints?
No CFPB complaints against Citizens Bank And Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
