$385M
−3.5%y/y
Percentile by value59th percentileby value
FDIC
LNLSGRCT
Citizens Trust Bank
Atlanta, GeorgiaFDIC Cert #8033
STATEEstablished 19217 branches
Holding company: CITIZENS BANCSHARES CORPRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $81.7M |
| Investor CRE | $47.2M |
| Multifamily | $12.1M |
| Construction | $48.7M |
| 1–4 family | $76.5M |
| C&I | $103M |
| Agriculture | $0 |
| Other | $16M |
Loan book
Reported balances and balance-sheet intensity.
$380M
−3.6%y/y
Percentile by value59th percentileby value
FDIC
LNLSNET−3.58%
−417.6%y/y
Percentile by value9th percentileby value
FDIC
LNLSNET56.8%
−4.4%y/y
Percentile by value10th percentileby value
FDIC
LNLSNET + DEP48.3%
−5.7%y/y
Percentile by value10th percentileby value
FDIC
LNLSNET + ASSET70.81%
−4.6%y/y
Percentile by value19th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
94%
−20.7%y/y
Percentile by value25th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC42%
+5.0%y/y
Percentile by value55th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,882points
+5.2%y/y
Peer standing70th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD21.22%
+5.7%y/y
Percentile by value85th percentileby value
FDIC
LNRENROW + LNLSGR12.27%
−26.4%y/y
Percentile by value45th percentileby value
FDIC
LNRENROT + LNLSGR26.70%
+16.7%y/y
Percentile by value95th percentileby value
FDIC
LNCI + LNLSGR