Citizens Bank and Trust
Frostproof, FL · State Bank, Not a Federal Reserve Member · Part of CITIZENS BANKING CORP
Summary
- Total assets: $1.5 billion
- Total deposits: $1.4 billion
- Total loans: $884 million
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 6.1% |
| Multifamily | 1.0% |
| Owner-occupied commercial real estate | 22.5% |
| Non-owner-occupied commercial real estate | 17.6% |
| Residential | 27.4% |
| Commercial & industrial | 11.1% |
| Consumer & other | 14.4% |
Health indicators
- Tier 1 leverage ratio: 8.04%
- Total risk-based capital ratio: 13.71%
- Noncurrent loans: 0.35%
- Net charge-offs: 0.06%
- Return on assets: 1.43%
Local footprint
| County | Branches | Deposits |
|---|---|---|
| Polk, FL | 13 | $1.3 billion |
| Hillsborough, FL | 2 | $89 million |
| Pasco, FL | 1 | $9 million |