Citizens Bank and Trust
Frostproof, FL · Owner: Citizens Banking Corp
$1.5B
total assets, June 30, 2026
$1.5B
total assets, June 30, 2026
Citizens Bank and Trust is a state nonmember bank based in Frostproof, FL, owned by Citizens Banking Corp. As of June 30, 2026 it held $1.5 billion in assets and $1.4 billion in deposits; assets were up 6.2% from a year before. It has 16 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.5B
+6.2% in a year · +0.3% in a quarter
Deposits
$1.4B
+5.1% in a year · +0.1% in a quarter
Loans
$884M
+5.7% in a year · +3.7% in a quarter
Profit so far
$10.5M
Jan 1 to Jun 30, 2026 · +54.0% in a year
Capital ratio
8.04%
+0.39 pts in a year
Return on assets
1.43%
+0.44 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 2 E Wall St, Frostproof, FL, 33843
- County
- Polk
- Holding company
- Citizens Banking Corp
- Established
- May 13, 1920
- Employees
- 196
- Branches
- 16
- Website
- www.citizens-bank.com
- Id
- b5673
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
16 offices as of June 30, 2026, holding $1.4 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Florida | 16 | $1.4B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Lake Wales Branch | Lake Wales, FL | $194M |
| Haines City Branch | Haines City, FL | $159M |
| Winter Haven Branch | Winter Haven, FL | $150M |
| Bartow Office Branch | Bartow, FL | $148M |
| Downtown Lakeland Branch | Lakeland, FL | $109M |
| Auburndale Branch | Auburndale, FL | $108M |
| Edgewood Branch | Lakeland, FL | $105M |
| Citizens Bank And Trust (main office) | Frostproof, FL | $78.9M |
| Dundee Branch | Dundee, FL | $58.2M |
| Chalet Suzanne Branch | Lake Wales, FL | $54.0M |
Related pages
Questions and answers
How big is Citizens Bank and Trust?
$1.5 billion in total assets and $1.4 billion in deposits as of June 30, 2026, with assets up 6.2% from a year before. Its loans were $884.1 million.
How many branches does Citizens Bank and Trust have?
16 branches in Florida as of June 30, 2026.
Is Citizens Bank and Trust profitable?
Yes: it earned $10.5 million from January 1 to June 30, 2026 (up 54.0% from the same months a year before). Its return on assets was 1.43% a year; about 1% is typical.
Who owns Citizens Bank and Trust?
Citizens Bank and Trust is owned by Citizens Banking Corp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.