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Bank
Rating by Finanso™
i

The rating by Finanso™ is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Citizens Bank

Finanso.Multilogin™

From first homes to first cars, births to college tuition, and business start-ups to retirement planning, Citizens Bank & Trust has proudly served Polk County since 1920. We are local bankers who work for, live in, and support this wonderful community we all call home. We know how hard you work and you deserve a bank that works just as hard for you. We're here for the long haul for you and your financial needs.

Citizens Bank & Trust is a full-service financial institution, with a wide range of account and loan products tailored to fit your individual needs. Additionally, we offer the most experienced group of wealth management, trust and private banking professionals in the market to assist you.

We take great pride in being Polk County’s bank and work every day to serve the financial needs of our customers, while still providing a hometown banking feel. We are a true community bank and will always consider you and your financial needs our number one priority.

We are Citizens Bank & Trust and we are proud to be your bank!

We are a community bank, in our third generation of family ownership, with a long-standing history of looking out for our customer’s future. Local bankers here for you, your family, and your business. At Citizens Bank & Trust, we offer you the personalized service you need, with the hometown-banking feel you deserve.

Whether Consumer or Commercial Loans, Deposits, Trust or Investments, or Internet Banking, we offer financial products and services tailored to fit your lifestyle.

We invite you to bank with people who treat you like family, consider you and your financial needs their number one priority, and most of all, provide loyalty and commitment to the community.

We are Citizens Bank & Trust, and we are proud to be your bank.

The Citizens Bank of Frostproof, as the bank was originally known, was founded with just $25,000 in original capital by Latt Maxcy and six other local businessmen. Latt, Chairman, and his brother John, President, managed Citizens Bank for over five decades, until their respective deaths in 1971 and 1972. Today, the company remains family-owned, as Latt’s grandchildren continue the family tradition of careful decision-making that has carried the bank securely into the future.

For the first 78 years, Citizens Bank helped grow and develop the economy around Frostproof, Florida. The bank building, constructed in 1925, is still in use today and remains a proud part of downtown Frostproof. Visitors can even drop by the bank’s lobby to see the historic original safe used nearly 100 years ago to secure bank deposits.

In 1998, Citizens Bank successfully expanded into the community of Lake Wales, and added an office in Haines City shortly thereafter. In 2004, Citizens Bank purchased the Lake Wales-based American Bank & Trust, which included a trust department. This prompted the bank to change its name to Citizens Bank & Trust. Expansion has continued through the present time, and Citizens Bank & Trust now serves Polk County with 14 locations in Auburndale, Bartow, Dundee, Ft. Meade, Haines City, Lakeland, and Winter Haven.

On November 1, 2021, the Bank opened an office in Valrico and Dade City, Located in Hillsborough and Pasco Counties, respectively, these offices represent the first expansion outside of Polk County for Citizens Bank & Trust.

As the oldest bank founded in Polk County still in existence, Citizens Bank & Trust continues to provide customers with high quality financial products and superior customer service.

Stability, commitment to our surrounding communities, and conservative values are a few of the reasons Citizens Bank & Trust has thrived for 100 years. Over the past century, only three family members have served as board chair, leading our bank to be a reliable and dependable business partner to the Polk County community throughout the years and into the future.

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All Citizens Bank’s reviews by May 2022