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Citizens Bank and Trust (FL)

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Citizens Bank and Trust (FL) Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Bank and Trust (FL) provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Citizens Bank and Trust (FL) rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Citizens Bank and Trust (FL), and you can see how they compare in the Citizens Bank and Trust (FL) rate tables below. MonitorBankRates evaluates the financial stability of Citizens Bank and Trust (FL) with a 1.8 Star Rating, an D Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 08/30/2026.

Citizens Bank and Trust (FL) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Bank and Trust (FL)? Share your experience about Citizens Bank and Trust (FL) by leaving a review below, or read customer reviews before you decide to use Citizens Bank and Trust (FL).

Overall Health & Safety Grade

Weak Health Score: 68/100

MonitorBankRates Rating

1.8

Weak Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Citizens Bank and Trust

2 E Wall St
Frostproof, FL 33843

https://www.citizens-bank.com

Current Rate Availability

We're not currently displaying rates for Citizens Bank and Trust (FL), but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Bank and Trust (FL) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens Bank and Trust (FL) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens Bank and Trust (FL)'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Bank and Trust (FL)

Bank Holding Company CITIZENS BANKING CORP

Address 2 E Wall St, Frostproof, FL 33843 · Polk

Website https://www.citizens-bank.com

FDIC Certificate # 5673

Established 05/13/1920

FDIC Insurance Date 01/01/1934

Domestic Offices 17

Total Branches 17

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 68/100

1.8

Weak Out of 5.0 Stars

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7488%

Return on Equity (ROE) 228.6300%

Non-Performing Loans (NPL) 0.08%

Total Assets $1,447,209,000

Total Deposits $1,372,745,000

Equity Capital $55,447,000

Net Income $14,540,000

Headquarters Frostproof

Total Branches and Offices 17

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Citizens Bank and Trust (FL)

How many branches does Citizens Bank and Trust (FL) operate?

Citizens Bank and Trust (FL) currently maintains approximately 17 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens Bank and Trust (FL) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Bank and Trust (FL) provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Bank and Trust (FL) offer online and mobile banking?

Most modern institutions like Citizens Bank and Trust (FL) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.citizens-bank.com.