Florida › Hillsborough County › Citizens Bank and Trust
Citizens Bank and Trust
Citizens Bank and Trust is a bank: it an FDIC-insured depository institution that lends its own money and offers its own loan products. It has 12 licensed Florida offices: Auburndale, Bartow, Dade City, Dundee, Fort Meade, Frostproof, Haines City, Lake Wales and more. It is part of CITIZENS BANKING CORPORATION.
| Kind | Bank |
| License or charter | FDIC-insured bank |
| Florida offices | Auburndale, Bartow, Dade City, Dundee, Fort Meade, Frostproof, Haines City, Lake Wales, Lakeland, Plant City, Valrico, Winter Haven |
| Legal entity | CITIZENS BANK AND TRUST, LEI 549300IRRKG7NTX2YD83, Active |
| Parent company | CITIZENS BANKING CORPORATION |
| Counties | Hillsborough, Pasco, Polk |
| Website | citizens-bank.com |
| Phone | (800) 383-8000 |
| Address shown on its site | 211 Havendale Blvd. Auburndale, FL 33823 |
Loan types Citizens Bank and Trust lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Florida firms offering it.
- Business acquisition loans
- Commercial real estate loans
- Equipment financing
- HELOCs
- Home equity loans
- Refinance
- Small business loans
Bank facts from the FDIC
| Total assets | $1,480,129,000 |
| Deposits | $1,397,842,000 |
| Offices nationwide | 17 |
| Florida offices | 17 |
| Return on assets | 1.43% |
| Established | 1920 |
| Headquarters | Frostproof, FL |
| Holding company | CITIZENS BANKING CORP |
FDICFDIC institution record for certificate 5673, latest quarterly filing. Dollar figures as reported.
No 2025 HMDA filing matched to this firm yet. Lenders below the federal reporting threshold do not file.
Citizens Bank and Trust offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Frostproof | 2 E Wall St 33843 | Principal office | |
| Auburndale | 211 Havendale Blvd 33823 | Branch | |
| Bartow | 1450 N Broadway Ave 33830 | Branch | |
| Dade City | 13744 7th St 33525 | Branch | |
| Dundee | 1013 Highway 542 33838 | Branch | |
| Fort Meade | 214 Weat Broadway Street 33841 | Branch | |
| Haines City | 36250 Us Hwy 27 N 33844 | Branch | |
| Lake Wales | 222 State Road 60 E 33853 | Branch | |
| Lake Wales | 222 State Road 60 E 33853 | Branch | |
| Lake Wales | 23725 Hwy 27 33859 | Branch | |
| Lakeland | 1985 E Edgewood Dr 33803 | Branch | |
| Lakeland | 402 S Kentucky Ave 33801 | Branch | |
| Lakeland | 5850 S Florida Ave 33813 | Branch | |
| Plant City | 3019 James L Redman Parkway 33566 | Branch | |
| Valrico | 1016 Bloomingdale Ave 33596 | Branch | |
| Winter Haven | 1120 1st St S 33880 | Branch | |
| Winter Haven | 6340 Cypress Gardens Blvd 33884 | Branch |
As of October 15, 2026Source: FDIC office and branch records. Addresses are as filed; call before visiting.
Hillsborough County at a glance
| Mortgage applications filed in 2025 | 64,877 |
| Loans originated | 30,453 |
| Denial rate | 18% |
| FHA share of originations | 18% |
| VA share | 10% |
| Investor and second home share | 10% |
| Dollar volume originated | $11,570,545,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $541,287 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Hillsborough County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.