CITIZENS COMMUNITY BANK

WINCHESTER, TN | Small | Est. Nov. 19, 1992, midnight | FDIC #33739 | RSSD #2002222 | FDIC
Latest Report: 2025-12-31

CITIZENS COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in WINCHESTER, TN, established in Nov. 19, 1992, midnight. As of 2025-12-31, the bank reported total assets of $365M and total deposits of $318M. Profitability stands at 2.03% ROA and 16.97% ROE, with a net interest margin of 4.26%. The bank's CET1 capital ratio is 11.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.26%. FDIC Certificate #33739.

Assets

$365M

Deposits

$318M

Loans

$228M

Equity

$43M

Profitability

Return on Assets (ROA) 2.03%
Return on Equity (ROE) 16.97%
Net Interest Margin (NIM) 4.26%
Yield on Assets 6.34%
Cost of Funds 2.20%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.26%
NPA Ratio 0.03%
ACL / Loans 1.44%

Capital & Liquidity

CET1 Ratio 11.77%
Tier 1 Capital 11.77%
Total Capital Ratio 12.36%
Leverage Ratio 13.76%
Loan-to-Deposit 71.57%

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