CITIZENS SAVINGS BANK AND TRUST COMPANY

NASHVILLE, TN | Small | Est. Jan. 4, 1904, midnight | FDIC #10319 | RSSD #55635 | FDIC
Latest Report: 2025-12-31

CITIZENS SAVINGS BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in NASHVILLE, TN, established in Jan. 4, 1904, midnight. As of 2025-12-31, the bank reported total assets of $183M and total deposits of $165M. Profitability stands at 0.59% ROA and 6.25% ROE, with a net interest margin of 4.08%. The bank's CET1 capital ratio is 14.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.16% and a Texas Ratio of 31.20%. FDIC Certificate #10319.

Assets

$183M

Deposits

$165M

Loans

$159M

Equity

$18M

Profitability

Return on Assets (ROA) 0.59%
Return on Equity (ROE) 6.25%
Net Interest Margin (NIM) 4.08%
Yield on Assets 6.95%
Cost of Funds 2.93%

Asset Quality

NPL Ratio 3.16%
Net Charge-Off Ratio 0.39%
Texas Ratio 31.20%
NPA Ratio 3.28%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 14.53%
Tier 1 Capital 14.53%
Total Capital Ratio 16.04%
Leverage Ratio 9.57%
Loan-to-Deposit 96.42%

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