Citizens Bank and Trust Company

What Citizens Bank and Trust Company does

Citizens Bank and Trust Company is a community bank founded in 1889, headquartered in Eastman, Georgia, and operating as a private, for-profit institution. It provides a full suite of personal and commercial banking services, including personal and business checking and savings accounts, personal and business credit cards, personal and business loans, residential mortgages, home equity lines of credit (HELOC), overdraft coverage, and treasury management services for business clients. The institution is an FDIC member and an Equal Housing Lender, with NMLSR ID 512258 supporting its residential mortgage operations. It serves individual consumers, small-to-medium-sized businesses, and homeowners primarily within a regional footprint.

Underlying the franchise is a standard community-bank technology stack: a core banking platform supporting both web-based online banking (telepc.net/greatoaks) and native iOS and Android mobile applications, with online self-service account opening available. Distribution is hybrid, combining physical branch locations for in-person service with a multi-channel digital presence spanning website, mobile apps, and active social media profiles on Facebook, Instagram, and LinkedIn. Leadership is consolidated under P. Brent Taylor as Chief Executive Officer and President. The business model is conventional retail and commercial banking: net interest income from deposits and loans, fee income from treasury management and card services, and interchange revenue from credit card products. Specific pricing, deposit rates, and loan rates are not publicly disclosed and are made available at branch locations or by request.

Name

Citizens Bank and Trust Company

Website

https://citizensga.com

Company type

Private

Founded year

1889

Headcount range

11–50 employees

Short description

Citizens Bank and Trust Company is a community bank founded in 1889 in Eastman, Georgia, offering personal and commercial banking services including deposits, loans, mortgages, credit cards, and treasury management to consumers and small-to-medium-sized businesses in a regional market.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking services
• Personal and business banking
• Residential mortgage lending
• Treasury management services
• Online and mobile banking

Headquarters

HQ city

Eastman

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Distribution channels2 records

Marketing channels4 records

Core offering

Citizens Bank and Trust Company operates as a community bank providing personal and business banking products including checking accounts, savings accounts, credit cards, personal and business loans, residential mortgages, home equity lines/loans (HELOC), and business treasury management services. The bank serves individual consumers and small-to-medium-sized businesses in its regional market through physical branch locations, an online banking portal, and native iOS/Android mobile applications, and is an FDIC-insured institution with Equal Housing Lender designation.

Product overview

Great Oaks Bank operates as a community bank offering a unified platform of banking products and services for both personal and business customers. The product portfolio includes personal checking, savings, credit cards, and loans alongside business-focused equivalents (business checking, savings, credit cards, and commercial loans). Treasury Management Services are available for business customers. For borrowing needs, the bank offers residential mortgages and home equity lines/loans (HELOC). Digital banking is provided through Online & Mobile Banking platforms for both personal and business segments, with dedicated mobile applications for iOS and Android. Supplementary services include overdraft coverage and financial planning calculators.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Personal checking account offerings for individual customers to manage day-to-day banking needs.
• Personal Savings Savings account products for personal customers to deposit and grow funds.
• Personal Credit Cards Credit card products designed for personal use.
• Personal Loans Loan products for personal borrowing needs.
• Online & Mobile Banking (Personal) Digital banking platform enabling personal customers to access and manage accounts via web and mobile applications.
• Overdraft Coverage Protection service covering overdraft situations for personal accounts.
• Business Checking Checking account products designed for business customers.
• Business Savings Savings account products for business customers.
• Business Credit Cards Credit card products designed for business use.
• Business Loans Loan products tailored for business borrowing needs.
• Treasury Management Services Services for businesses to manage cash flow, payments, and financial operations.
• Business Online & Mobile Banking Digital banking platform for business customers to manage accounts online and via mobile devices.
• Mortgages Residential mortgage loan products for home purchases and refinancing.
• Home Equity Line/Loans (HELOC) Home equity line of credit and loan products allowing homeowners to borrow against their home equity.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• SouthState Corporation: SouthState Corporation is a regional bank holding company serving consumers and businesses across the Southeastern United States with full-service banking including treasury management and mortgage. It competes with the subject bank in overlapping geographies and product segments at a much larger scale.
• Cadence Bank: Cadence Bank is a regional bank headquartered in Atlanta, GA, offering consumer, commercial, treasury management, and mortgage services across the South and Southwest. It is comparable to the subject institution in product breadth and Southeast U.S. customer focus, but operates at significantly greater scale.
• Ameris Bancorp: Ameris Bancorp is an Atlanta, GA-based bank holding company providing community banking, treasury, and mortgage services across the Southeast. Its product mix and community-banking operating model overlap with the subject institution, although at significantly greater scale.
• United Community Banks, Inc. United Community Banks is a Georgia-headquartered regional bank holding company with locations throughout the Southeast, offering personal, business, and mortgage banking. It is a broad incumbent operating in the same regional and product space as the subject community bank but at substantially greater scale.
• Synovus Financial Corp. Synovus Financial is a Columbus, GA-based regional bank holding company serving commercial, retail, and wealth customers across the Southeast. It operates broadly in the same markets and product categories as the subject bank, with a much larger balance sheet and broader geographic footprint.

Direct peers

• Colony Bankcorp: Colony Bankcorp is a Georgia-based community bank holding company headquartered in Fitzgerald, GA, serving consumers and small businesses with checking, lending, and treasury services. It is directly comparable in geography, scale, and product mix to the subject community bank in Eastman, GA.
• Queensborough National Bank & Trust Co. Queensborough National Bank & Trust is a small community bank based in Louisville, GA, providing personal and business banking across east-central Georgia. Its regional focus, full-service product suite, and small-bank operating profile make it a direct peer to the subject institution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Citizens Bank and Trust Company