Founded in 1920 by Latt Maxcy and a group of local businessmen, Citizens Bank & Trust has remained a family-owned bank from the very beginning. John Maxcy, Latt’s brother, managed CB&T for nearly five decades. Today, Latt’s grandchildren continue the family tradition of careful decision making to carry the bank securely into the future.

For the first 78 years, Citizens Bank & Trust helped grow and develop the area around Frostproof, Florida. The original Frostproof office is still in use and remains a proud part of downtown Frostproof to this day. You can even drop by and see the first safe used for deposits over 90 years ago!

Citizens Bank & Trust is Polk County’s true community bank having grown from their first office in Frostproof to thirteen locations countywide; serving the communities of Auburndale, Bartow, Dundee, Frostproof, Ft. Meade, Haines City, Lakeland, Lake Wales and Winter Haven.

Stability, commitment and community focus are a few of the reasons Citizens Bank & Trust has thrived for over 90 years.

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

Easy Access

Our Mobile Banking Services provide 24/7 access to your Citizens Bank & Trust accounts through your tablet or smartphone. This gives you the ability to conveniently pay your bills, check your balances, make transfers, deposit checks and much more while on the go.