Citizens' Bank & Trust Co., Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Organized in May of 1886, Citizens Bank is the oldest incorporated bank in Crawford County and one of the oldest in the State of Arkansas.

In June 2003, the bank opened its new branch in Alma on Highway 71 North. The bank reached a milestone in assets with total Assets at year end of $254,368,000. Since January 2004, Citizens Bank has expanded its mortgage lending presence in Fort Smith and added an additional mortgage production office in Rogers, Arkansas.

Citizens Investment Services was established to provide full service investment as well as advisory services for nontraditional deposit products. As technology continues to improve, Citizens has brought technological conveniences to its customers in the form of online banking, automated bill pay, cash management and remote deposit capture. Combining a state of the art financial delivery system with the most extensive branch banking network in Crawford County enabled the bank to enjoy significant growth over the past seven years and end 2010 with assets of $369,400,000.

Main office
Van Buren, Arkansas
3110 Alma Highway, 72956
Phone: (479) 474-1201
Fax:
(479) 474-4630 1st Floor
(479) 410-1340 2nd Floor

Lobby
Monday-Thursday: 8:30 AM - 5:00 PM
Friday: 8:30 AM - 6:00 PM
Saturday:- 9:00 AM - NOON

Drive Thru
Monday - Friday: 8:00 AM - 6:00 PM
Saturday: 8:00 AM - NOON

Mortgage Loan Production
Monday - Friday: 8:30 AM - 5:00 PM