Citizens Bank (Elizabethton, TN)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank is an FDIC-insured commercial bank headquartered in Elizabethton, TN, established in 1934 (FDIC certificate 14851), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.42B, up 7.5% from Q2 2025, the 21st largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 14.20% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14851
- Headquarters
- Elizabethton, TN
- Established
- 1934
- Total assets, Q2 2026
- $1.42B
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 14.20%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 064207946
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank call report
- Holding company
- CITCO COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 21st of 109 in Tennessee
Citizens Bank earns an unusually wide margin on its lending. The Elizabethton, Tennessee bank had $1.4 billion in assets at June 30, 2026, up 7.5% from a year earlier. It keeps 4.53 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also earns about $2.03 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.29).
Earnings jumped: net income for the quarter was $7.2 million, 40% above the same quarter a year earlier. Over the same year, loans grew 9.8% and deposits grew 6.6%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Citizens Bank reported a CET1 capital ratio of 14.20%, a return on assets of 2.03%, a nonperforming-loan ratio of 1.14% and a Texas ratio of 6.25%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Bank is the 21st largest of the 109 banks headquartered in Tennessee. From Q1 2026 to Q2 2026, its total assets rose 1.6% to $1.42B, loans rose 2.2% and deposits rose 2.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 27.3% of total loans, ahead of owner-occupied commercial real estate loans at 23.5%. Its 13 offices in the FDIC Summary of Deposits are in 8 cities in TN; its Elizabethton 2 offices book 40% of its branch deposits. Judged on its Q2 2026 call report, Citizens Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 Broad St, Elizabethton, TN 37643
- County
- Carter
- Metro Area
- Johnson City, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- November 3, 1934
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 237
- Domestic deposits
- $1.19B
- Allowance for credit losses
- $10.3M
- Net charge-offs (YTD)
- $2.6M
- Average total assets
- $1.42B
- Average total loans
- $1.14B
- Average interest-bearing deposits
- $1.02B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 3, 1934
- FDIC Cert
- 14851
- Fed RSSD
- 778738
- Website
- www.citizensbank24.com →
- Parent Holding Company
- CITCO COMMUNITY BANCSHARES, INC. (RSSD 2244545)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Bank's total assets ran between $1.17B (Q3 2023) and $1.42B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.42B total assets against $1.32B; $1.24B total liabilities against $1.15B.
$1.13B net loans and leases against $1.03B; $1.19B total deposits against $1.12B.
$206.1M securities against $207.2M; $19.3M cash and balances due against $23.2M.
$23.0M total interest income against $20.7M; $7.7M total interest expense against $7.7M.
$15.3M net interest income against $13.1M.
$6.0M total noninterest income against $4.9M; $11.5M total noninterest expense against $11.1M.
$1.7M provision for credit losses against $962K.
$7.2M net income against $5.2M.
2.03% return on assets against 1.58%; 4.53% net interest margin against 4.17%.
14.20% CET1 capital ratio against 14.89%; 12.65% tier 1 leverage ratio against 13.11%.
Inside the full Citizens Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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 Bank rankings
Its closest position to the top of a national ranking is 455 of 3,611, for ROA; its furthest is 709 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.50% (Q4 2024) to 2.11% (Q4 2025) and its net interest margin ran from 4.08% (Q1 2025) to 4.53% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.20% | 2.03% | 1.14% | 6.25% | 4.53% |
| Q1 2026 | 14.37% | 1.83% | 1.05% | 5.51% | 4.38% |
| Q4 2025 | 14.52% | 2.11% | 0.90% | 4.69% | 4.46% |
| Q3 2025 | 14.74% | 2.03% | 0.83% | 4.29% | 4.41% |
| Q2 2025 | 14.89% | 1.58% | 0.82% | 4.85% | 4.17% |
| Q1 2025 | 15.44% | 1.61% | 0.66% | 3.76% | 4.08% |
| Q4 2024 | 15.29% | 1.50% | 0.71% | 4.19% | 4.33% |
| Q3 2024 | 15.34% | 1.93% | 0.60% | 3.58% | 4.29% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank (main office) | Elizabethton , TN | 37643 | $452.2M |
| Peoples Street Branch | Johnson City , TN | 37604 | $167.5M |
| La Follette Branch | La Follette , TN | 37766 | $88.4M |
| Medical Park Drive Branch | Lenoir City , TN | 37772 | $83.9M |
| Volunteer Parkway Branch | Bristol , TN | 37620 | $78.0M |
| Kingsport Branch | Kingsport , TN | 37660 | $71.5M |
| Knoxville Office Branch | Knoxville , TN | 37919 | $70.6M |
| State Street Branch | Bristol , TN | 37620 | $48.3M |
| Kingsport Branch | Kingsport , TN | 37660 | $34.0M |
| Bemberg Road Branch | Elizabethton , TN | 37643 | $26.6M |
| Colonial Heights Branch | Kingsport , TN | 37663 | $26.3M |
| Pellissippi Branch | Knoxville , TN | 37922 | $23.5M |
| Hampton Branch | Hampton , TN | 37658 | $20.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 3, 2016 | Structure Change | Acquired American Trust Bank of East Tennessee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 2, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 20, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 20, 2000 | Structure Change | Acquired Twin City Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1992 | Structure Change | Acquired Executive Park National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in TN, rank 33 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 195 applications, 176 loans originated, $34.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 268 loans, $190.4M approved, $710K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank
What are Citizens Bank's total assets?
As of the Q2 2026 filing, Citizens Bank reported total assets of $1.42 billion in its FFIEC call report.
Where is Citizens Bank headquartered?
It is headquartered in Elizabethton, TN, United States.
When was Citizens Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Citizens Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14851). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank?
Citizens Bank's primary federal regulator is the FDIC.
What is Citizens Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.20% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank's Texas Ratio?
Its Texas Ratio is 6.25% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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