CBT

What CBT does

CBT (Citizens Bank & Trust, Inc., operating as CB&S Bank) is a privately held community bank founded in 1988 and headquartered at 12255 South Main Street, Trenton, Georgia. The bank operates three branches across northwest Georgia (Trenton, Lookout Mountain) and northeast Alabama (Higdon), serving local consumers, small businesses, homeowners, and agricultural customers in those markets. Core products span deposit accounts (NOW, Non-Interest, Student, Senior, Money Market, Corporate Business, Small Business checking; Regular, Moola Moola, Christmas Club, Vacation Club savings; 91-day to 60-month CDs; IRAs; safe deposit boxes), consumer lending (auto, ATV, watercraft, motorcycle, livestock), commercial lending (real estate, inventory, equipment, secured/unsecured lines of credit, agriculture), and conventional mortgage origination (purchase, refinance, home equity, construction, HELOC, debt consolidation) through NMLS-licensed loan originators under NMLS #408108.

The bank's technology stack is a traditional community-bank platform layered with self-service digital channels: a CB&T Mobile Banking app for iOS and Android offering mobile deposit, fund transfers, card management, and loan payments; NetTeller web-based online banking for account management, bill pay, and statements; and iTalk interactive voice response providing 24/7 telephone banking without internet requirement. Debit cards are issued instantly at account opening via three branded designs and are natively integrated with Apple Pay and Google Pay digital wallets. Core back-office infrastructure details (core processor, ATM switch, card management platform) are not disclosed in source material, consistent with a small community bank using vendor-supported core platforms.

Revenue is generated primarily through net interest income on the loan portfolio (mortgage, consumer, commercial, agricultural) and deposit-related fees, supplemented by safe deposit box rentals and ancillary banking fees. The go-to-market is sales-led and relationship-based, relying on physical branch presence, drive-thru convenience, local market knowledge, and community involvement such as the Banzai financial literacy sponsorship for local schools. No public pricing, revenue figures, funding rounds, institutional investors, or M&A activity are disclosed in the source data, and the bank is independently owned with no parent company identified.

Name

CBT

Legal name

Citizens Bank & Trust, Inc.

Website

https://trustcbt.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

Citizens Bank & Trust, Inc. (CB&S Bank) is a privately held community bank founded in 1988 operating three branches across Georgia and Alabama, offering deposit accounts, consumer and commercial loans, mortgage financing, and digital banking to local consumers, small businesses, homeowners, and agricultural customers.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro industry

PRIMARYFSABAAAA

Mass-Market Consumer Deposit Banking (Checking/Savings)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYFSABABAC

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

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

Keywords

• Community banking services
• Mortgage lending
• Consumer loans
• Deposit accounts
• Mobile banking

Headquarters

HQ city

Trenton

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Primary revenue from interest earned on mortgage loans, consumer loans (automobile, ATV, watercraft, motorcycle, livestock), commercial loans (real estate, inventory, equipment, agriculture), and home equity products. Revenue generated through spread between loan interest rates and cost of funds.
2. Deposit Account Fees: Fees generated from various deposit accounts including checking accounts (NOW, Personal, Student, Senior, Money Market, Business Checking), savings accounts (Regular, Moola Moola, Christmas Club, Vacation Club), and Certificate of Deposit accounts.
3. Mortgage Loan Origination: Revenue from originating and potentially selling conventional mortgage loans including purchase, refinance, construction loans, and home equity lines of credit. NMLS #408108 for CB&S Bank with multiple loan originators on staff.
4. Safe Deposit Box Rental: Annual rental fees for safe deposit boxes available in various sizes at every branch location.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels2 records

Core offering

Citizens Bank & Trust, Inc. (CB&S Bank) is a community bank providing traditional personal and small business banking services. Its core offerings include deposit products (checking, savings, CDs, IRAs), consumer and mortgage loans, commercial and agricultural lending, and multi-channel digital banking (mobile app, online, telephone, and instant-issue debit cards). The bank operates three physical branches in Georgia and Alabama with drive-thru and safe deposit box services.

Product overview

CB&S Bank (Citizens Bank & Trust, Inc.) is a community bank offering a unified suite of traditional banking products and services. The core product portfolio includes three digital banking channels (CB&T Mobile Banking app, NetTeller Online Banking, and iTalk Telephone Banking) that provide account access, deposits, transfers, and bill payment; Instant Issue Debit Cards with digital wallet support; and a full range of deposit products (checking, savings, CDs, IRAs) and lending products (mortgage, consumer, and commercial loans). The bank operates three physical branches in Georgia and Alabama with safe deposit box services available at all locations.

Differentiator

Problem solved

Functional benefit

Products and services

• CB&T Mobile Banking Mobile banking application for Apple iOS and Android devices that lets customers deposit checks, transfer funds, manage debit cards, pay bills, view statements, and make loan payments.
• iTalk Telephone Banking 24/7 interactive voice response telephone banking system that allows customers to check balances, review deposits and cleared checks, transfer funds between accounts, and make loan payments.
• NetTeller Online Banking Web-based online banking platform providing account access, transaction management, bill pay, transfers, and statement viewing.
• Instant Issue Debit Cards Debit cards issued immediately upon account opening, available in branded designs (Dade County High School Wolverines, North Sand Mountain Bison, and standard blue), compatible with Apple Pay and Google Pay digital wallets.
• Deposit Services Comprehensive deposit products including personal and business checking accounts (NOW, Non-Interest, Student, Senior, Money Market, Corporate Business, Small Business variants), savings accounts (Regular, Moola Moola, Christmas Club, Vacation Club), Certificates of Deposit with 91-day to 60-month terms, and Individual Retirement Accounts.
• Safe Deposit Boxes Secure storage boxes available in a variety of sizes at every branch location, rented annually to customers.
• Conventional Mortgage Loans Home financing products including purchase mortgages, refinances, home equity loans, construction loans, home equity lines of credit, and debt consolidation options for individuals.
• Consumer Loans Personal financing for individuals purchasing automobiles, all-terrain vehicles, watercraft, motorcycles, and livestock.
• Commercial Loans Business lending products including real estate financing, inventory and equipment loans, secured and unsecured lines of credit, and agricultural loans for small businesses and farm operations.
• Bank-Owned Properties Real estate properties owned by the bank that are listed for sale to the public.

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

One partnership is on record.

• BanzaiminorStrategic or Co-development PartnerCB&S Bank sponsors local schools in the Banzai online financial literacy program. The program provides age-appropriate courses for elementary (8-12), middle/high school (13-18), and advanced students (16+). Teachers access unlimited workbooks and online resources. Students learn real-world skills like balancing accounts, managing money, and adapting to unexpected changes through interactive scenarios.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Regions Bank: Super-regional bank with significant presence in Alabama and Georgia offering the full suite of consumer and commercial banking. Represents the dominant incumbent competitor that CBT's deposit and loan customers increasingly compare against.
• SouthState Bank: Southeast regional bank with footprint across high-growth markets in GA, FL, AL, and the Carolinas. Competes with CBT for higher-end consumer and commercial relationships and represents a likely acquirer profile for community bank consolidation.
• Truist Financial: Top-10 US bank with full national branch network including significant Georgia/Alabama presence. Sets the digital and product benchmark CBT must keep pace with to retain deposit customers.
• Synovus Financial: Southeast-focused regional bank with strong Georgia franchise. Competes directly with CBT for middle-market and small business deposits and loans, and exemplifies the consolidation path available to high-performing community banks.

Direct peers

• Colony Bank: Georgia-headquartered community bank operating ~50 branches across Georgia, Alabama, and Florida with comparable deposit, mortgage, and small business lending offerings. Closest publicly traded peer by geography, scale, and product mix.
• First Bank (First Bancorp): Southeast US community bank offering deposit, mortgage, and consumer lending through a multi-branch network. Comparable size and full-service community banking model with digital channel investments similar to CBT.
• F&M Bank (F&M Bancorp): Small community bank offering consumer deposits, mortgage, and commercial lending through a regional branch network. Comparable in scale, deposit product breadth, and relationship-based GTM motion.
• Citizens Holding Company: Single-state community bank holding company providing traditional deposit and lending products. Comparable in size, branch count, and community-bank operating model with publicly disclosed financials that benchmark CBT's likely profile.

Emerging players

• Chime: Digital-first neobank targeting mass-market consumer checking and savings with no-fee positioning. Represents the disruptive threat pulling younger deposit customers away from community banks like CBT.

Others

• Jack Henry & Associates: Core banking and digital banking technology provider whose NetTeller and iTalk platforms CBT relies on. Critical infrastructure vendor and indirect indicator of CBT's underlying technology stack constraints.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/TrustCBT
• LinkedInlinkedin.com/company/citizens-bank-trust-inc

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

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 CBT