CITIZENS NATIONAL BANK

SEVIERVILLE, TN | Large | Est. Feb. 5, 1973, midnight | FDIC #20954 | RSSD #717737 | OCC
Latest Report: 2025-12-31

CITIZENS NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in SEVIERVILLE, TN, established in Feb. 5, 1973, midnight. As of 2025-12-31, the bank reported total assets of $2.0B and total deposits of $1.7B. Profitability stands at 2.32% ROA and 24.71% ROE, with a net interest margin of 3.68%. The bank's CET1 capital ratio is 15.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #20954.

Assets

$2.0B

Deposits

$1.7B

Loans

$1.3B

Equity

$189M

Profitability

Return on Assets (ROA) 2.32%
Return on Equity (ROE) 24.71%
Net Interest Margin (NIM) 3.68%
Yield on Assets 5.57%
Cost of Funds 2.53%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 15.07%
Tier 1 Capital 15.07%
Total Capital Ratio 16.22%
Leverage Ratio 10.84%
Loan-to-Deposit 74.32%

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