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Citizens Bank
Elizabethton, TN · FDIC Certificate #14851 · Chartered 11/0
Total assets
$1.42B
Total deposits
$1.19B
Total equity
$183.97M
Net loans
$1.13B
Branches (offices)
13
Net income (YTD)
$13.50M
Rank: #777 of 4,213 U.S. banks by assets · #21 of 109 in Tennessee. Assets changed 7.5% and deposits 6.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.94% |
| Return on equity | 15.27% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 12.92% |
| Tier 1 leverage ratio | 12.65% |
| Uninsured deposits (share of deposits) | 24.8% |
| Noncurrent loans (share of loans) | 1.14% |
| Net charge-offs (share of loans) | 0.47% |
| Loans to deposits | 94.9% |
| Real estate loans (share of loans) | 92.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.04B | 92.2% | |
| Commercial & industrial | $74.06M | 6.5% | |
| Consumer / individual | $18.30M | 1.6% | |
| Construction & development | $170.91M | 15.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.09B | $921.51M | $15.23M | $141.74M |
| Jun 2023 | $1.17B | $983.97M | $13.07M | $167.26M |
| Jun 2024 | $1.23B | $1.02B | $10.67M | $171.34M |
| Jun 2025 | $1.32B | $1.12B | $10.30M | $173.30M |
| Jun 2026 | $1.42B | $1.19B | $13.50M | $183.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $1.19B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.19B.
Similar-sized banks
Rio Bank ($1.42B) · Armed Forces Bank, National Association ($1.42B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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