Unverified listing What this means
The Lender Report built this page from public records. Citizens Bank & Trust, Inc. has not reviewed it. Every lender's page starts this way, and it says nothing about Citizens Bank & Trust, Inc. itself. Each figure shows its source and date. Work at Citizens Bank & Trust, Inc.? You can claim this page for free.
Depository, Trenton, GA
Citizens Bank & Trust, Inc.
Citizens Bank & Trust, Inc. no longer files under this name. FDIC records show it merged into CB&S Bank, Inc. on April 1, 2026. Before that it made 23 1-4 unit investor or business-purpose loans in 2025.
- Kind
- Depository, no June 2026 call report
- Data as of
- HMDA 2025, SBA September 30, 2026
- Page last changed
- November 12, 2026
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- Investor loans made, 2025
- 23
- HMDA,
- 1-4 units or business purpose
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Multifamily dollars, 2025
- Not reported
- HMDA,
How to reach them
Each line shows where it came from
- Phone
- No phone number or website is on record for this lender.
- Address
- 12255 S Main St, Trenton, GA 30752FDIC institution record,
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| April 1, 2026 | Merged into CB&S Bank, Inc. on April 1, 2026.FDIC structure history. | FDIC history, |
No public record of recent loans. That can mean no such loans or no duty to report.
What it lends on
HMDA and SBA files
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 23 | $1.86M | $75.0K | HMDA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
Where it lends
Offices beside loans on record
Peers
Same kind of lender, similar size and book
What we don't know
- Whether it is taking new loans today, or on what terms.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Citizens Bank & Trust, Inc., FDIC certificate 27153. Compare it with the regulator's record.
- Loans made. 23 recorded loans from the HMDA file, in 2025: 23 HMDA 1-4 unit investor 2025. Each has its source and date. [How each file was tied to Citizens Bank & Trust, Inc.]
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For the record
Data as of HMDA 2025, SBA September 30, 2026. Page last changed November 12, 2026.
- FDIC certificate
- 27153
- LEI
- 254900XASC5S67PMPM58
- The Lender Report ID
- lr_009723
- Originated 23 1-4 unit investor or business-purpose loans totaling $1.9M in 2025 (HMDA).
- Merged into CB&S Bank, Inc. on April 1, 2026. Source: FDIC records.
Cite this
Source: The Lender Report, Citizens Bank & Trust, Inc., https://lender.report/lender/citizens-bank-and-trust-ga/, data as of December 31, 2025.
Sources
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem