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Citizens Community Bank
Winchester, TN · FDIC Certificate #33739 · Chartered 11/1
Total assets
$352.62M
Total deposits
$303.18M
Total equity
$45.16M
Net loans
$222.93M
Branches (offices)
3
Net income (YTD)
$3.21M
Rank: #2,244 of 4,213 U.S. banks by assets · #68 of 109 in Tennessee. Assets changed 0.0% and deposits -1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.79% |
| Return on equity | 14.55% |
| Net interest margin (YTD) | 4.28% |
| Equity to assets | 12.81% |
| Tier 1 leverage ratio | 14.58% |
| Uninsured deposits (share of deposits) | 27.6% |
| Noncurrent loans (share of loans) | 0.38% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 73.5% |
| Real estate loans (share of loans) | 77.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $171.59M | 77.0% | |
| Commercial & industrial | $40.75M | 18.3% | |
| Consumer / individual | $6.73M | 3.0% | |
| Construction & development | $43.89M | 19.7% | |
| Agricultural | $6.03M | 2.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $301.18M | $268.29M | $3.19M | $30.31M |
| Jun 2023 | $303.64M | $267.48M | $2.93M | $33.15M |
| Jun 2024 | $334.47M | $286.66M | $2.42M | $36.15M |
| Jun 2025 | $352.60M | $308.06M | $2.97M | $40.07M |
| Jun 2026 | $352.62M | $303.18M | $3.21M | $45.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $303.18M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $303.18M.
Similar-sized banks
Glenwood State Bank ($352.86M) · Sterling Bank ($352.37M)
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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