Melissa CummingsLAKE WALES, FL – Melissa Cummings has joined Citizens Bank & Trust as Residential Lender and Business Development Officer for the Dade City market. A seasoned mortgage originator with over 30 years of banking experience in the Dade City market, she will work directly with local customers seeking residential loans. In addition, she will also work with business owners to offer a variety of business-related banking solutions.

“We are delighted to have Melissa join our team at Citizens Bank & Trust,” said Steve Crisman, president of Citizens Bank & Trust. “Her extensive knowledge of the Dade City market as both a banker and resident is a great addition to our local team and the Bank as a whole.”

Melissa began her banking career as a teller and has held a variety of leadership roles at both the branch and business development levels. She will work with existing customers while also while also increasing the presence of the bank as a partner in the community.

The Dade City office is located at 13844 7th Street in Dade City. Contact Melissa today! Member FDIC | Equal Housing Lender

About Citizens Bank & Trust:
Citizens Bank & Trust is a wholly owned subsidiary of Citizens Banking Corporation, a one-bank holding company located in Frostproof, Florida. Citizens Bank & Trust operates 16 full-service offices in Polk, Pasco, and Hillsborough Counties. The Bank proudly offers a full line of banking services, including residential and commercial loans, mortgages, investments, and trust services.

The Citizens Bank of Frostproof, as the Bank was originally known, was established in 1920. Over the past century, and three generations of family ownership, Citizens Bank & Trust has continued its tradition as a reliable and dependable community partner.

February 2, 2026, Lake Wales – Citizens Bank & Trust announced today that it has acquired the business of The Bullard Agency in Lake Wales and will operate under the newly created business name: Bullard Insurance, Inc. – a subsidiary of Citizens Bank & Trust. The subsidiary will begin servicing all insurance policies previously managed by The Bullard Agency.

“The Bullard Agency has proudly served our community since 1939, faithfully assisting generations of customers,” stated Greg Littleton, CEO of Citizens Bank & Trust and president of Bullard Insurance. “Uniting them with the Bank’s 105-year history provides a solid foundation for both current and future customers.”

Left: Megan Donley, Right: Wendy Barrett

Megan Donley will lead the new subsidiary. Ms. Donley most recently served as the Organizational Talent Development Officer at Citizens Bank & Trust and has more than a decade of office management and financial services experience. In addition, Wendy Barrett, who has been a dedicated part of the Agency – faithfully serving customers for more than 40 years – will continue in her role at Bullard Insurance.

“Bullard Insurance remains committed to preserving the values of trust, integrity, and exceptional service that both customers and the community have come to know,” Littleton noted. “We are fortunate to have the combined expertise of Megan and Wendy to work with our new and existing customers, while also expanding the resources, expertise, and protection available to them.”

Bullard Insurance, Inc. (License #L134405) offers a range of insurance services, including auto, home, and commercial lines. The office is located at 221 E. Stuart Ave in Lake Wales, and the phone number is 863-676-1481.

About Citizens Bank & Trust:
Citizens Bank & Trust is a wholly owned subsidiary of Citizens Banking Corporation, a one-bank holding company located in Frostproof, Florida. Citizens Bank & Trust operates 16 full-service offices in Polk, Pasco, and Hillsborough Counties. The Bank proudly offers a full line of banking services, including residential and commercial loans, mortgages, investments, and trust services.

The Citizens Bank of Frostproof, as the Bank was originally known, was established in 1920. Over the past century, and three generations of family ownership, Citizens Bank & Trust has continued its tradition as a reliable and dependable community partner.

Rinah LandryLAKE WALES, FL – Rinah Landry has joined Citizens Bank & Trust as Assistant Vice President and Office Manager. She leads the Chalet Suzanne office, located at 23725 Highway 27 in Lake Wales.

A lifelong resident of Polk County, Rinah has over 27 years of banking experience. She has held a variety of positions, including local and regional leadership roles throughout the county. She enjoys educating individuals about financial literacy and working with small businesses to find banking solutions to meet their needs. She is also passionate about actively volunteering for organizations that improve the lives of those living in our community.

“Lake Wales is experiencing tremendous growth, especially in the area surrounding our Chalet Suzanne Office,” said Citizens Bank & Trust CEO Greg Littleton. “Rinah’s strong local ties and vast banking experience are a great fit to serve the customers and business community in this growing area.”

The office phone number is 863-676-0988.

About Citizens Bank & Trust:
Citizens Bank & Trust is a wholly owned subsidiary of Citizens Banking Corporation, a one-bank holding company located in Frostproof, Florida. Citizens Bank & Trust operates 16 full-service offices in Polk, Pasco, and Hillsborough Counties. The Bank proudly offers a full line of banking services, including residential and commercial loans, mortgages, investments, and trust services.

The Citizens Bank of Frostproof, as the Bank was originally known, was established in 1920. Over the past century, and three generations of family ownership, Citizens Bank & Trust has continued its tradition as a reliable and dependable community partner.

Steve CrismanLAKE WALES, FL (March 31, 2025) – Today, Steve Crisman joins Citizens Bank & Trust as the Bank’s president. He is the tenth individual to hold this position since the Bank was founded in Frostproof, Florida in 1920. Greg Littleton will remain at the Bank in the Chief Executive Officer (CEO) role.

Steve holds a Certified Public Accountant designation and is a lifelong resident of Polk County. Most recently he served as Director, Chief Financial Officer and Chief Operating Officer for Six/Ten, LLC, a downtown redevelopment real estate company located in Winter Haven, Florida. His professional background includes financial management, strategic planning, business operations, and customer relations. Steve holds an Associate of Arts degree in Business Administration from Polk State College and a Bachelor of Science degree in Accounting from The University of South Florida. He currently serves on the Board of Directors for the Winter Haven Chamber of Commerce and is also a past board chair of the organization. A long-time advisory board member for the Bank, he joined the Bank’s Board of Directors in 2024.

The addition of Steve Crisman to the leadership at Citizens Bank & Trust is part of a strategic leadership transition plan announced in January 2025. The full release can be found here: News – Citizens Bank & Trust

LAKE WALES, FL – Citizens Bank & Trust president and Chief Executive Officer (CEO), Greg Littleton, has announced that 2025 will be his last year working full time in the role of president. Citizens Bank & Trust board member, Steven E. Crisman, has been named president and will formally join the leadership team on March 31, 2025. Littleton will remain as CEO for the remainder of 2025.

Steve holds a Certified Public Accountant designation and is a lifelong resident of Polk County. Most recently he served as Director, Chief Financial Officer and Chief Operating Officer for Six/Ten, LLC, a downtown redevelopment real estate company located in Winter Haven, Florida. His professional background includes financial management, strategic planning, business operations, and customer relations. Steve holds an Associate of Arts degree in Business Administration from Polk State College and a Bachelor of Science degree in Accounting from The University of South Florida. He currently serves on the Board of Directors for the Winter Haven Chamber of Commerce and is also a past board chair of the organization. A long-time advisory board member for the Bank, he joined the Bank’s Board of Directors in 2024.

“A succession plan has been in the works for several years, and the timing of the plan worked well to implement in 2025,” said Greg Littleton, president and CEO. “Steve’s professional background as a CPA, business owner and entrepreneur, along with his strong commitment to community and civic involvement, make him a great choice to lead Citizens Bank & Trust. Together, I look forward to growing our banking relationships throughout our service area.”

Littleton joined Citizens Bank & Trust in 1997 and was named president in 2001. In 2022, he was recognized as Banker of the Year by the Florida Bankers Association (FBA). He currently serves as a member of the Polk State College District Board of Trustees, as well as a member of the Board of Directors for AdventHealth Polk Market, Polk Vision, Winter Haven Economic Development Council, and FBA BankPac. He is the current campaign chair for the United Way of Central Florida.

Littleton is a past chair of the Winter Haven Chamber of Commerce, East Polk Committee of 100, Central Florida Development Council (CFDC), United Way of Central Florida, Polk Vision, Lake Wales Chamber of Commerce, Heart of Florida Hospital, Polk State College District Board of Trustees, Polk County Public Schools Efficiency Commission, and FBA BankServ. He has also previously served on the boards of the Bartow Economic Development Council, Lake Wales Arts Center, Polk Museum of Art, Florida Bankers Association, FBA Governmental Relations Council, Polk County Industrial Development Authority, and the Florida Statewide Passenger Rail Commission.

“Over the past twenty-four years, Greg has made a significant impact to the growth and footprint of the Bank that my grandfather founded in 1920,” stated Latimer “Coot” Wilson, Chairman of the Board. “His strategic vision and dedication to our customers, employees, and the community has been unprecedented in our company history. On behalf of the shareholders and board of directors, I’d like to express my appreciation to Greg, and I look forward to working with both him and Steve as we continue to serve the financial needs of our community and business partners.”

Additionally, Executive Vice President and Chief Operating Officer (COO) Weymon Snuggs will continue full time in his current role throughout 2025. In 2026, he will transition to a part-time arrangement, continuing to serve the Lakeland Market. Snuggs has been very active in the community since coming to Lakeland in 1997. He currently serves on the YMCA Board of Directors and several committees for other nonprofit organizations. Snuggs is a past board chair of Lakeland Regional Health (LRH) Systems, the Lakeland Chamber of Commerce, Polk Museum of Art, United Way of Central Florida, Lakeland Volunteers in Medicine, and Lakeland Vision. He previously served on the boards of Orlando Health, VISTE, LRH Foundation, the Lakeland Chamber Foundation, and the Lakeland Firefighter Pension Fund Board. In 2008, he chaired the United Way of Central Florida Campaign, and in 2015 received the George W. Jenkins Volunteer of the Year award.

Current Senior Vice President and Chief Innovation Officer, Chad Tagtow, will become COO in January 2026, with a focus on operations, efficiencies, and technology. Tagtow joined the Bank in 2004 and has held progressive leadership roles, most recently serving as Chief Innovation Officer.

About Citizens Bank & Trust:
Citizens Bank & Trust is a wholly owned subsidiary of Citizens Banking Corporation, a one-bank holding company located in Frostproof, Florida. Citizens Bank & Trust operates 16 full-service offices in Polk, Pasco, and Hillsborough Counties. The Bank proudly offers a full line of banking services, including residential and commercial loans, mortgages, investments, and trust services.

The Citizens Bank of Frostproof, as the Bank was originally known, was established in 1920. Over the past century, and three generations of family ownership, Citizens Bank & Trust has continued its tradition as a reliable and dependable community partner.