About Us



Our History


Since 1921, Citizens Trust Bank has been a long lasting leader in the financial services industry.  The vision of the five founding fathers of the institution continues with a legacy of pride and dedication to the economic empowerment to the people and communities it serves.



Our Mission


For more than three-quarters of a century Citizens Trust Bank has been serving the metro Atlanta community with banking services. This long history, by any measure of longevity, is one of which all of Atlanta should be immensely proud.

Shareholder Information


2012 marked a year of meaningful improvement in the financial performance and strategic operational direction of Citizens Bancshares Corporation. The most notable success was the strides made in improving the Company’s overall risk profile.


We began 2012 on a strategic mission to improve our asset quality metrics and reduce the risk on the Company’s balance sheet. The primary objective was to remove assets whose holding cost and devaluations continued to have a negative impact on earnings. As a result, the Company’s non-performing assets declined by 18% and the provision for loan losses were reduced by $1.5 million year over year.

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CTB Management


Cynthia N. Day, President/Chief Executive Officer

Bunny Stokes, Alabama Division President
Samuel J. Cox, Chief Financial Officer
Frederick L. Daniels, Jr. Chief Credit Officer