CITIZENS BANK

ELIZABETHTON, TN | Large | Est. Nov. 3, 1934, midnight | FDIC #14851 | RSSD #778738 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK is aln large FDIC-insured commercial bank headquartered in ELIZABETHTON, TN, established in Nov. 3, 1934, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.1B. Profitability stands at 2.11% ROA and 16.33% ROE, with a net interest margin of 4.65%. The bank's CET1 capital ratio is 14.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.75% and a Texas Ratio of 4.33%. FDIC Certificate #14851.

Assets

$1.3B

Deposits

$1.1B

Loans

$1.1B

Equity

$173M

Profitability

Return on Assets (ROA) 2.11%
Return on Equity (ROE) 16.33%
Net Interest Margin (NIM) 4.65%
Yield on Assets 7.07%
Cost of Funds 3.02%

Asset Quality

NPL Ratio 0.75%
Net Charge-Off Ratio 0.25%
Texas Ratio 4.33%
NPA Ratio 0.59%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 14.52%
Tier 1 Capital 14.52%
Total Capital Ratio 15.38%
Leverage Ratio 12.68%
Loan-to-Deposit 93.36%

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