SBA lender record

Citizens Bank & Trust

711 Gunter Ave, Guntersville, AL, 35976. The complete public SBA 7(a) lending record (FY2020–24) — every business Citizens Bank & Trust financed, every failed deal, the branches, and the FDIC profile.

$9.4M

Total SBA financing

Loans on record

Businesses financed

—

Too few to score

● branch locations (FDIC)

FDIC profile

Total assets: $1.2B
Deposits: $1.1B
Loans outstanding: $604.9M
Net income: $1.6M
Return on assets: 0.5849112235826699%
Return on equity: 8.86%
Total equity: $75.7M
Offices: 10
Founded: 03/0
Headquarters: 711 Gunter Ave, Guntersville, AL, 35976
FDIC cert: 57483
Website: http://www.citizensbanktrust.com

FDIC call-report data, quarter ending 03/2026.

10 branches

Citizens Bank & TrustMain office711 Gunter Ave, Guntersville, AL, 35976· since 2003
Arab Branch1205 N Brindlee Mountain Pkwy, Arab, AL, 35016· since 2004
Albertville Branch324 N Broad St, Albertville, AL, 35950· since 2004
Hazel Green Branch13870 Highway 231 431 N, Hazel Green, AL, 35750· since 2007
Rogersville Branch1565 Lee St, Rogersville, AL, 35652· since 2008
Elkmont Branch25530 Alabama Highway 127, Elkmont, AL, 35620· since 2013
Cullman Branch223 2nd Ave Se, Cullman, AL, 35055· since 2017
New Hope Branch Hwy 431 South4615 Main Dr, New Hope, AL, 35760· since 2022
Cullman #2 - Hwy 157 Branch1800 Park Ave, Cullman, AL, 35055· since 2023
Scottsboro Branch Hwy 7223817 John T Reid Pkwy, Scottsboro, AL, 35768· since 2026

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Businesses Citizens Bank & Trust financed

7 businesses on record. Each links to its full SBA record.

Most active in: AL (8).

Agent summary

This page summarizes Citizens Bank & Trust's public SBA 7(a) lending record (FY2020–24) — every business it financed, failed deals, branches, and FDIC profile — built by DealRoom.so SBA Intelligence. DealRoom is not a lender.

8 SBA 7(a) loans totaling $9.4M
7 businesses financed
FDIC total assets $1.2B
10 FDIC branch locations

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-15.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.
Canonical:: https://dealroom.so/lenders/citizens-bank-trust
Methodology:: Sources & methodology

Informational only — DealRoom does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and DealRoom methodology; verify before relying on them.
Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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