Listed locations
16
Institution profile
Citizens Bank and Trust
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Citizens Bank and Trust
- Display name
- Citizens Bank and Trust
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- May 13, 1920
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Frostproof, FL, 33843, United States
- Website
- http://www.citizens-bank.com
- FDIC certificate number
- 5673
- Federal Reserve RSSD ID
- 701839
- Domestic location count
- 17
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 5673
- Federal Reserve RSSD ID
- 701839
- LEI
- 549300IRRKG7NTX2YD83
- Headquarters
- 2 East Wall Street, Frostproof, FL, 33843, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 16 of 16 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| AUBURNDALE BRANCH | 211 Havendale Blvd | Auburndale | FL | 33823 |
| BARTOW BRANCH | 1450 N Broadway Avenue | Bartow | FL | 33830 |
| DADE CITY BRANCH | 13844 7th Street | Dade City | FL | 33525 |
| DUNDEE BRANCH | 1013 State Road 542 West | Dundee | FL | 33838 |
| FT. MEADE OFFICE | 214 West Broadway | Fort Meade | FL | 33841 |
| DRIVE-IN FACILITY | 14 South Scenic Highway | Frostproof | FL | 33843 |
| HAINES CITY BRANCH | 36250 Highway 27 | Haines City | FL | 33844 |
| CHALET BRANCH | 23725 Highway 27 | Lake Wales | FL | 33859 |
| LAKE WALES BRANCH | 222 State Road 60 East | Lake Wales | FL | 33853 |
| DOWNTOWN LAKELAND BRANCH | 402 S Kentucky Avenue, Suite 100 | Lakeland | FL | 33801 |
| EDGEWOOD BRANCH | 1985 East Edgewood Drive | Lakeland | FL | 33803 |
| SOUTH LAKELAND BRANCH | 5850 Florida Ave S. | Lakeland | FL | 33813 |
| PLANT CITY BRANCH | 3019 James L Redman Pkwy | Plant City | FL | 33566 |
| VALRICO BRANCH | 1016 Bloomingdale Avenue | Valrico | FL | 33596 |
| WINTER HAVEN BRANCH | 1120 First Street South | Winter Haven | FL | 33880 |
| WINTERSET BRANCH | 6340 Cypress Gardens Blvd | Winter Haven | FL | 33884 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- September 1, 2024
- Regulator
- FDIC
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| September 1, 2024 | Satisfactory | FDIC | Intermediate Small Bank |
| February 1, 2021 | Satisfactory | FDIC | Intermediate Small Bank |
| April 1, 2018 | Satisfactory | FDIC | Intermediate Small Bank |
| April 1, 2015 | Satisfactory | FDIC | Intermediate Small Bank |
| March 1, 2013 | Satisfactory | FDIC | Intermediate Small Bank |
| December 1, 2009 | Satisfactory | FDIC | Intermediate Small Bank |
| July 1, 2006 | Satisfactory | FDIC | Intermediate Small Bank |
| December 1, 2003 | Satisfactory | FDIC | Small Bank |
| August 1, 1998 | Satisfactory | FDIC | Small Bank |
| June 1, 1995 | Satisfactory | FDIC | Not Reported |
| July 1, 1993 | Satisfactory | FDIC | Not Reported |
Institutional history
1 FFIEC NIC history event
Showing 1 of 1 history events
| Event date | Event type | Related institution |
|---|---|---|
| June 1, 2004 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
4 FFIEC NIC relationship records
Showing 1 through 4 of 4 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | BULLARD INSURANCE INC | Domestic Entity Other | Lake Wales, FL |
| Direct relationship | CITIZENS FINANCIAL GROUP, LLC | Domestic Entity Other | Lake Wales, FL |
| Direct relationship | RIDGE SECURITY TITLE, INC. | Domestic Entity Other | Winter Haven, FL |
| ROOT_INSTITUTION | CITIZENS BANK AND TRUST | Non-member Bank | Frostproof, FL |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank