FIRST CITIZENS NATIONAL BANK

DYERSBURG, TN | Large | RSSD #133850
Latest Report: 2025-12-31

FIRST CITIZENS NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in DYERSBURG, TN. As of 2025-12-31, the bank reported total assets of $2.7B and total deposits of $2.3B. Profitability stands at 0.88% ROA and 10.25% ROE, with a net interest margin of 3.00%. The bank's CET1 capital ratio is 7.16%. Asset quality metrics show a non-performing loan ratio of 0.40% and a Texas Ratio of 11.06%.

Assets

$2.7B

Deposits

$2.3B

Loans

$1.6B

Equity

$231M

Profitability

Return on Assets (ROA) 0.88%
Return on Equity (ROE) 10.25%
Net Interest Margin (NIM) 3.00%
Yield on Assets 5.49%
Cost of Funds 5.42%

Asset Quality

NPL Ratio 0.40%
Net Charge-Off Ratio 0.01%
Texas Ratio 11.06%
NPA Ratio 1.04%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 7.16%
Tier 1 Capital 7.16%
Total Capital Ratio 7.51%
Leverage Ratio 9.71%
Loan-to-Deposit 70.45%

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