Citizens National Bank (Sevierville, TN): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Citizens National Bank is one of the more profitable banks of its size. Based in Sevierville, Tennessee, it had $2.0 billion in assets at June 30, 2026, up 3.4% from a year earlier. It returns 21.4% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). It also carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size. Much of that comes from cost control: it spends about 42 cents to bring in each dollar of revenue.
Net income for the quarter rose 17% from a year earlier, to $10 million. Concentration is the risk to watch: it holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Citizens National Bank reported a CET1 capital ratio of 15.08%, a return on assets of 2.07%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.28%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 200 Forks Of The River Pkwy, Sevierville, TN 37862
- County
- Sevier
- Metro Area
- Sevierville, TN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 5, 1973
- Offices
- 21 domestic
- Employees (FTE)
- 189
- Domestic deposits
- $1.74B
- Allowance for credit losses
- $16.3M
- Net charge-offs (YTD)
- $30K
- Average total assets
- $1.96B
- Average total loans
- $1.34B
- Average interest-bearing deposits
- $1.40B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 5, 1973
- FDIC Cert
- 20954
- Fed RSSD
- 717737
- Website
- www.cnbtn.com →
- Parent Holding Company
- CNB BANCSHARES, INC. (RSSD 1086270)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Citizens National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.08% | 2.07% | 0.01% | 0.28% | 3.51% |
| Q1 2026 | 14.84% | 1.93% | 0.01% | 0.21% | 3.38% |
| Q4 2025 | 15.07% | 2.30% | 0.01% | 0.08% | 3.52% |
| Q3 2025 | 14.31% | 1.75% | 0.02% | 0.33% | 3.38% |
| Q2 2025 | 14.20% | 1.82% | 0.02% | 0.21% | 3.25% |
| Q1 2025 | 13.92% | 1.51% | 0.02% | 0.05% | 3.06% |
| Q4 2024 | 13.77% | 1.75% | 0.02% | 0.05% | 3.13% |
| Q3 2024 | 13.92% | 1.64% | 0.02% | 0.00% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 21 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens National Bank (main office) | Sevierville , TN | 37862 | $609.2M |
| Pigeon Forge Branch | Pigeon Forge , TN | 37863 | $220.3M |
| Kodak Branch | Kodak , TN | 37764 | $152.3M |
| Dolly Parton Parkway Branch | Sevierville , TN | 37862 | $121.9M |
| Seymour Office Branch | Seymour , TN | 37865 | $94.9M |
| Dandridge Branch | Dandridge , TN | 37725 | $69.6M |
| Gatlinburg Branch | Gatlinburg , TN | 37738 | $63.0M |
| Merchants Greene Branch | Morristown , TN | 37814 | $47.8M |
| Newport Hwy at 416 Branch | Sevierville , TN | 37862 | $45.8M |
| Strawberry Plains Branch | Knoxville , TN | 37924 | $41.1M |
| Jefferson City Traditional Branch | Jefferson City , TN | 37760 | $40.8M |
| White Pine Branch | White Pine , TN | 37890 | $37.8M |
| Downtown Gatlinburg Branch | Gatlinburg , TN | 37738 | $37.3M |
| Pigeon Forge Kroger Branch | Pigeon Forge , TN | 37863 | $36.4M |
| Sevierville Food City Branch | Sevierville , TN | 37862 | $28.5M |
| Seymour Kroger Branch | Seymour , TN | 37865 | $23.5M |
| Sevierville Kroger Branch | Sevierville , TN | 37876 | $23.3M |
| Athens - Decatur Pike Branch | Athens , TN | 37303 | $22.3M |
| Kodak Food City Branch | Kodak , TN | 37764 | $13.4M |
| New Center Food City | Sevierville , TN | 37876 | $8.9M |
| Teaster Lane Food City Branch | Pigeon Forge , TN | 37863 | $4.5M |
Regulatory record
What the public regulatory sources show for Citizens National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- March 18, 2010, OCC: Formal Agreement: Citizens National Bank
- Period: Most recent institution action March 18, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in TN, rank 22 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 73 applications, 65 loans originated, $27.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $20K approved, $20K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens National Bank
What are Citizens National Bank's total assets?
As of the Q2 2026 filing, Citizens National Bank reported total assets of $1.96 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens National Bank headquartered?
Citizens National Bank is headquartered in Sevierville, TN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Citizens National Bank founded?
Citizens National Bank was established in 1973, per the FDIC institution directory.
Is Citizens National Bank FDIC-insured?
Yes. Citizens National Bank is an FDIC-insured commercial bank (FDIC Certificate #20954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens National Bank?
Citizens National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens National Bank's CET1 capital ratio?
Citizens National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.08% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens National Bank operate?
Citizens National Bank operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens National Bank's Texas Ratio?
Citizens National Bank's Texas Ratio is 0.28% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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