At a glance
From its website, read 2 Nov 2026Citizens Trust Bank is a bank or thrift based in Atlanta, Georgia. Its website describes auto loans, home mortgages and personal loans. Stated loan amounts run up to $2.5M. Where it lends: Surrounding Alabama counties and Eutaw, Alabama (Community Relief Loan).
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (888) 214-3099 source |
|---|---|
| Phone | (678) 406-4000 source |
| Lending | (678) 406-4135 source |
| Website | www.ctbconnect.com |
| Office (official list) | 230 Peachtree Street, Suite 2700, Atlanta, GA 30303 |
What their website says about applying
at 678.406.4000 for current interest rates and additional auto loan solution details with qualifying Citizens Trust Bank checking or savings account.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- First-time homebuyer program
Discover our 1st-Time Home Buyer Down Payment Assistance Program
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 31 Mar 2014 |
| RSSD ID | 680130 |
| Address | 230 Peachtree Street, Suite 2700, Atlanta, GA 30303 Directions (Google Maps) |
| Website | www.ctbconnect.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The service area is stated only for one Alabama personal loan program, and the business loan page refers to BHG as a partner, so the business loan terms may be partner terms. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | up to $100,000 | Auto Loan Amounts Up To $100k + Flexible Terms + No Annual Fee | source |
| Home mortgages | — | Let us help you find a mortgage that makes home ownership simple, straightforward—and affordable. | source |
| Personal / consumer loans | — | Competitive rates, flexible terms, and no prepayment penalties | source |
Loan sizes
Range used for the size filter: not stated to $2.5M
Service area
Surrounding Alabama counties and Eutaw, Alabama (Community Relief Loan)
An exclusive loan solution designed for surrounding Alabama counties and residents of Eutaw, Alabama
source
Counties this matches: Greene County, AL
Borrower focus
- First-time homebuyers
1st-Time Home Buyer Down Payment Assistance Program, designed to help you achieve your dream of homeownership.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Is there a minimum loan amount?
Their website gives a maximum ($2.5M) but no minimum. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.8 million in 17 awards from the U.S. Treasury's CDFI Fund, 2000–2023 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2018 | Bank Enterprise Award Program | $106,844 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2014 | Bank Enterprise Award Program | $355,000 |
| 2012 | Bank Enterprise Award Program | $415,000 |
| 2011 | Bank Enterprise Award Program | $500,000 |
| 2010 | Bank Enterprise Award Program | $600,000 |
| 2009 | Bank Enterprise Award Program | $288,929 |
| 2006 | Bank Enterprise Award Program | $6,059 |
| 2001 | Bank Enterprise Award Program | $396,000 |
| 2000 | Bank Enterprise Award Program | $297,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Citizens Trust Bank (FDIC cert 8033). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $790.3 million (as of 30 Jun 2026) |
|---|---|
| Offices | 7 in 2 states (as of 30 Oct 2026) |
Offices by state and county (7)
Georgia (5 offices)
- DeKalb County (2): 2727 Panola Rd, Lithonia 30058; 5771 Rockbridge Rd, Stone Mountain 30087
- Fulton County (3): 965 Martin Luther King Jr Dr Nw, Atlanta 30314 (main office); 3705 Cascade Rd Sw, Atlanta 30331; 2840 E Point St, East Point 30344
Alabama (2 offices)
- Greene County (1): 213 Main St, Eutaw 35462
- Jefferson County (1): 1700 3rd Ave N, Birmingham 35203
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Citizens Trust Bank (RSSD 680130, FDIC cert 8033). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $389.8 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 2.0% from $397.6 million on 30 Jun 2025 |
| Total assets | $790.3 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $68.3 million | 17.5% |
| Home equity lines of credit | $6.3 million | 1.6% |
| Commercial real estate, construction and multifamily | $197 million | 50.4% |
| Commercial and industrial (business) loans | $105.2 million | 26.9% |
| Consumer loans (credit cards, auto, other) | $13.6 million | 3.5% |
| All other loans and leases | $204,000 | 0.1% |
None reported on the 30 Jun 2026 report: farmland and farm production loans.
Within consumer loans: auto loans $1.2 million, credit cards $2.6 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 18 loans $592,000 | 79 loans $2.4 million |
| $100,001 to $250,000 | 55 loans $6.5 million | 32 loans $2.8 million |
| $250,001 to $1 million | 75 loans $30.7 million | 27 loans $12.1 million |
| All small business loans | 148 loans $37.7 million | 138 loans $17.3 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 0 → 3 | Rank among the 6 certified CDFIs in Georgia with SBA approvals in either period: 3 → 2. |
| Total assets (Call Report, 30 Jun 2026) | $790.3 million | Larger than 80% of the 10 other certified banks and bank holding companies in Georgia (median $188.1 million). |
| Loans as a share of assets | 49% | Median of the same 10 banks and bank holding companies: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $397.6 million → $389.8 million (-2%) | Median change of 10 other certified banks and bank holding companies in Georgia: +5%. Rank by loans held among these 11: 3 → 5. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Georgia with SBA approvals FY2023–2026 | 5 | rank 3 → 2 of 6 |
| Call Report total assets | other certified banks and bank holding companies in Georgia | 10 | larger than 80% |
| Loans held then vs now | certified banks and bank holding companies in Georgia reporting both dates | 10 | rank 3 → 5 of 11 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 10 SBA-backed approvals for Citizens Trust Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 4 7(a) loans as the lender: $1.6M in total (gross amount approved), median $341,000
- 6 504 projects as the third-party (first-lien) lender: $5.9M in total (its own third-party loan amount), median $636,250
By fiscal year: FY2020 0 · FY2021 4 · FY2022 3 · FY2023 0 · FY2024 0 · FY2025 1 · FY2026 2.
By program
- 504 projects (as the third-party lender) (6, 60%)
- 7(a) standard (4, 40%)
Borrower industries
NAICS sector, 3 or more loans.
- Health care and social assistance (3)
- Accommodation and food services (3)
How this lender was matched in the SBA files: FDIC cert 8033, found through the RSSD ID on the CDFI Fund list (SBA lists “Citizens Trust Bank”); 504 third-party lender name: same name, state and city (SBA lists “Citizens Trust Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Citizens Trust Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Atlanta and Georgia
- Community Redevelopment Loan and Investment Fund, Inc.Loan fund · Atlanta, GAAffordable housing development loansVerified
- Credit Union of AtlantaCredit union · Atlanta, GAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- FCS Community Finance, Inc.Loan fund · Atlanta, GAHome mortgagesVerified
- Georgia Cities Foundation, Inc.Loan fund · Atlanta, GACommercial real estate loansVerified
- Habitat Capital, LLCLoan fund · Atlanta, GAOfficial list only
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