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Citizens Savings Bank And Trust Company
Nashville, TN · FDIC Certificate #10319 · Chartered 01/0
Total assets
$188.06M
Total deposits
$156.45M
Total equity
$17.59M
Net loans
$158.53M
Branches (offices)
1
Net income (YTD)
$206.00K
Rank: #3,060 of 4,213 U.S. banks by assets · #92 of 109 in Tennessee. Assets changed 1.7% and deposits -6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.22% |
| Return on equity | 2.35% |
| Net interest margin (YTD) | 3.56% |
| Equity to assets | 9.35% |
| Tier 1 leverage ratio | 9.56% |
| Uninsured deposits (share of deposits) | 28.8% |
| Noncurrent loans (share of loans) | 2.72% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 101.3% |
| Real estate loans (share of loans) | 89.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $141.23M | 89.1% | |
| Commercial & industrial | $8.73M | 5.5% | |
| Consumer / individual | $6.39M | 4.0% | |
| Construction & development | $8.22M | 5.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $137.43M | $120.49M | $354.00K | $13.15M |
| Jun 2023 | $167.47M | $145.53M | $284.00K | $18.11M |
| Jun 2024 | $179.85M | $160.66M | -$575.00K | $17.70M |
| Jun 2025 | $184.99M | $166.38M | $73.00K | $17.25M |
| Jun 2026 | $188.06M | $156.45M | $206.00K | $17.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $156.45M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $156.45M.
Similar-sized banks
Citizens Bank ($188.09M) · First State Bank ($187.96M)
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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