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Citizens Tri-County Bank
Dunlap, TN · FDIC Certificate #20818 · Chartered 10/0
Total assets
$1.64B
Total deposits
$1.48B
Total equity
$148.51M
Net loans
$1.06B
Branches (offices)
24
Net income (YTD)
$15.09M
Rank: #687 of 4,213 U.S. banks by assets · #18 of 109 in Tennessee. Assets changed 5.8% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 21.38% |
| Net interest margin (YTD) | 3.76% |
| Equity to assets | 9.05% |
| Tier 1 leverage ratio | 9.34% |
| Uninsured deposits (share of deposits) | 27.3% |
| Noncurrent loans (share of loans) | 0.75% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 71.6% |
| Real estate loans (share of loans) | 80.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $854.94M | 80.8% | |
| Commercial & industrial | $63.79M | 6.0% | |
| Consumer / individual | $83.14M | 7.9% | |
| Construction & development | $233.62M | 22.1% | |
| Agricultural | $260.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.23B | $1.12B | $10.36M | $99.90M |
| Jun 2023 | $1.27B | $1.17B | $9.86M | $96.56M |
| Jun 2024 | $1.42B | $1.29B | $11.29M | $112.63M |
| Jun 2025 | $1.55B | $1.41B | $13.64M | $128.48M |
| Jun 2026 | $1.64B | $1.48B | $15.09M | $148.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $1.48B | 24 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.48B.
Similar-sized banks
Us Metro Bank ($1.64B) · Virginia National Bank ($1.64B)
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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