CITIZENS TRI-COUNTY BANK

DUNLAP, TN | Large | Est. Oct. 2, 1972, midnight | FDIC #20818 | RSSD #162337 | FDIC
Latest Report: 2025-12-31

CITIZENS TRI-COUNTY BANK is aln large FDIC-insured commercial bank headquartered in DUNLAP, TN, established in Oct. 2, 1972, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.4B. Profitability stands at 1.95% ROA and 22.49% ROE, with a net interest margin of 4.04%. The bank's CET1 capital ratio is 7.83%. Asset quality metrics show a non-performing loan ratio of 0.47% and a Texas Ratio of 5.20%. FDIC Certificate #20818.

Assets

$1.6B

Deposits

$1.4B

Loans

$1.1B

Equity

$134M

Profitability

Return on Assets (ROA) 1.95%
Return on Equity (ROE) 22.49%
Net Interest Margin (NIM) 4.04%
Yield on Assets 6.46%
Cost of Funds 3.00%

Asset Quality

NPL Ratio 0.47%
Net Charge-Off Ratio 0.03%
Texas Ratio 5.20%
NPA Ratio 0.49%
ACL / Loans 1.63%

Capital & Liquidity

CET1 Ratio 7.83%
Tier 1 Capital 7.83%
Total Capital Ratio 8.22%
Leverage Ratio 9.05%
Loan-to-Deposit 74.49%

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