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
8
Loans on record
7
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
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.
- PoCat, LLCAlbertville, AL · 2 loans$5.2M
- Walker Land Holding, LLCGuntersville, AL · 1 loan$1.0M
- High Tide Oil Company, Inc.Moody, AL · 1 loan$954K
- KLM Holdings, LLCArab, AL · 1 loan$737K
- The Barn Door LLCRogersville, AL · 1 loan$716K
- M&S Health Care, Inc.Albertville, AL · 1 loan$639K
- Southern Comforts Salon and Spa, LLCGuntersville, AL · 1 loan$133K
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 CapBench SBA Intelligence. CapBench 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 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench 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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CapBench listing built from public SBA 7(a) lending records and FDIC BankFind. Not affiliated with Citizens Bank & Trust.