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Citizens National Bank
Sevierville, TN · FDIC Certificate #20954 · Chartered 02/0
Total assets
$1.96B
Total deposits
$1.74B
Total equity
$192.19M
Net loans
$1.32B
Branches (offices)
21
Net income (YTD)
$19.65M
Rank: #615 of 4,213 U.S. banks by assets · #12 of 109 in Tennessee. Assets changed 3.4% and deposits 2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.00% |
| Return on equity | 20.76% |
| Net interest margin (YTD) | 3.50% |
| Equity to assets | 9.81% |
| Tier 1 leverage ratio | 11.17% |
| Uninsured deposits (share of deposits) | 38.8% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 75.5% |
| Real estate loans (share of loans) | 93.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.24B | 93.9% | |
| Commercial & industrial | $92.40M | 7.0% | |
| Consumer / individual | $5.31M | 0.4% | |
| Construction & development | $170.38M | 13.0% | |
| Agricultural | $34.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.65B | $1.51B | $13.63M | $130.16M |
| Jun 2023 | $1.64B | $1.40B | $12.05M | $127.85M |
| Jun 2024 | $1.72B | $1.45B | $11.43M | $142.05M |
| Jun 2025 | $1.89B | $1.70B | $15.96M | $168.62M |
| Jun 2026 | $1.96B | $1.74B | $19.65M | $192.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $1.74B | 21 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.74B.
Similar-sized banks
Planters Bank, Inc. ($1.96B) · Tri City National Bank ($1.95B)
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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