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Citizens Bank and Trust Company

$100M-$1B Specialty: Other VA FDIC cert 823

Blackstone, VA

12 branches across VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
  • Deposits +1.5% year over year ($485.5M on the books).
  • Delinquency rate 0.23%.
  • Return on assets 2.11%.
  • Efficiency ratio 46.92% vs a 64.48% peer average.
  • Loan-to-deposit ratio 58.66% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in VA
View $100M-$1B leaderboard (VA) →

Citizens Bank and Trust Company has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 35.8% in tier
  • + Revenue Diversifier: Top 44.3% in tier
  • + Net Interest Margin 0.56% above tier average
  • + Efficiency Ratio 17.56% below tier average
  • + Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 20.1% in tier
  • - Credit Quality Pressure: Bottom 24.3% in tier
Get updates when Citizens Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $577.6M
+2.8% YoY -1.0% QoQ
+$191.0M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
79%
Total Loans ? $284.8M
+4.9% YoY +1.6% QoQ
+$26.5M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $485.5M
+1.5% YoY -1.5% QoQ
+$158.8M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 2.11%
+15.0% YoY +11.5% QoQ
+0.78% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
Top 11.1% in tier
Net Interest Margin ? 4.55%
+8.8% YoY +2.6% QoQ
+0.56% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 46.92%
-3.9% YoY -4.3% QoQ
-17.56% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
Top 11.6% in tier
Delinquency Rate ? 0.23%
+141.1% YoY -2.1% QoQ
-0.69% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 58.66%
+3.4% YoY +3.2% QoQ
-19.29% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
84%
Non-Interest-Bearing Deposit Share ? 25.57%
+9.3% YoY +4.3% QoQ
+3.54% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
68%
Nonperforming Asset Ratio ? 0.16%
+12.0% YoY +0.7% QoQ
-0.51% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
65%
Tier 1 Capital Ratio ? 15.39%
+7.2% YoY +2.6% QoQ
-0.52% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.34%
+12.4% YoY +162.8% QoQ
-0.22% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
79%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 25.6%
+2.2pp YoY
+1.0pp QoQ
 +3.4pp 22.1% 26.2% 22.2% 68%
Brokered Deposits n/a n/a 7.9% 8.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 5.3%
+0.7pp YoY
-0.2pp QoQ
 -6.3pp 11.6% 11.0% 12.5% 22%
CRE 33.1%
-0.9pp YoY
-0.5pp QoQ
 -6.5pp 39.5% 46.9% 41.4% 40%
1-4 Family 53.6%
+1.1pp YoY
+1.0pp QoQ
 +21.0pp 32.6% 32.6% 31.3% 85%
Consumer 3.0%
-1.0pp YoY
-0.1pp QoQ
 -1.1pp 4.1% 8.0% 5.0% 60%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.2% 19.7% n/a
Leverage Ratio 15.4%
+1.0pp YoY
+0.4pp QoQ
 +3.2pp 12.2% 12.2% 12.6% 88%
Total Capital Ratio n/a n/a 19.9% 18.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 90
+1 (+1.1%) YoY
+3 (+3.4%) QoQ
 +31 58 1,956 482 82%
Assets per Employee ($) $6.4M
+1.7% YoY
-4.3% QoQ
 -$1.1M $7.5M $9.9M $8.8M 41%
Branch Count 12
0 YoY
0 QoQ
 +7 4 28 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.3% 0.2% 0.4% 68%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 2%
Allowance Coverage 5.56x
-57.6% YoY
+1.8% QoQ
 -18.60x 24.15x 9.47x 20.23x 72%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 15.1%
+0.4pp YoY
+1.4pp QoQ
 +2.9pp 12.2% 12.0% 11.6% 68%
Cost of Funds (YTD) 0.9%
0.0pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.7% 1.7% 7%
Net Income ($, YTD) $6.1M
+19.0% YoY
— QoQ
 +$3.5M $2.6M $137.1M $40.4M 92%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#238 of 661 • Top 35.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.11%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#294 of 661 • Top 44.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.34%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.11%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (2)

Credit Risk Growth

risk
#189 of 936 • Bottom 20.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#306 of 1256 • Bottom 24.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

295
Return on Assets
profitability
Value: 2.11%
Peer Median: 1.32%
#295 of 2643 Top 11.1% in $100M-$1B
307
Efficiency Ratio
profitability
Value: 46.92%
Peer Median: 64.48%
#307 of 2643 Top 11.6% in $100M-$1B
415
Loan-to-Deposit Ratio
liquidity
Value: 58.66%
Peer Median: 77.95%
#415 of 2643 Top 15.7% in $100M-$1B
491
Net Interest Margin
profitability
Value: 4.55%
Peer Median: 3.99%
#491 of 2643 Top 18.5% in $100M-$1B
562
Total Assets
size
Value: $577.55M
Peer Median: $386.57M
#562 of 2643 Top 21.2% in $100M-$1B
565
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#565 of 2643 Top 21.3% in $100M-$1B
577
Total Deposits
size
Value: $485.50M
Peer Median: $326.73M
#577 of 2643 Top 21.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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