About Us
Citizens Bank & Trust has been serving our communities since 1873 and is the second oldest community bank in Virginia. We are headquartered in Blackstone and have 12 branches. What makes us different from other banks is that we have demonstrated the resilience and ability to respond to historical and economic challenges emerging from the Great Depression of the 1930’s. We’re considered a small bank, with $554MM in assets, but we’re a strong bank with a lot of capital, which means we have money to lend. We can help with mortgage loans, home equity loans, home improvement, second home or vacation homes, bridge loans, and construction loans. We also do land loans, and it doesn’t matter the acreage. We can help with commercial real estate, loans or lines for working capital, equipment loans, churches, warehouses, farms, family-owned restaurants, office buildings, convenience stores and pretty much anything that can be collateralized.