Citizens Community Bank (Winchester, TN)
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Data as of · sourced from FFIEC call reports. How we update
Citizens Community Bank is an FDIC-insured commercial bank headquartered in Winchester, TN, established in 1992 (FDIC certificate 33739), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $352.6M, little changed from Q2 2025, the 68th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.58% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33739
- Headquarters
- Winchester, TN
- Established
- 1992
- Total assets, Q2 2026
- $352.6M
- Assets vs Q2 2025
- 0.0%
- Tier 1 leverage ratio, Q2 2026
- 14.58%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 064104036
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Community Bank call report
- Holding company
- CITIZENS COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 68th of 109 in Tennessee
Citizens Community Bank runs leaner than most banks of its size. It reported $353 million in assets at June 30, 2026. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also lost 1.6% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Net income for the quarter rose 21% from a year earlier, to $1.7 million. Over the same year, loans grew 6.9% and deposits shrank 1.6%. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.38% of loans, against 0.19% a year earlier.
As of June 30, 2026, Citizens Community Bank reported a return on assets of 1.87%, a nonperforming-loan ratio of 0.38% and a Texas ratio of 1.76%. The figures come from its call report filed with the FFIEC.
Citizens Community Bank ranks as the 68th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $352.6M, loans rose 3.6% and deposits fell 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.2% of total loans, ahead of construction and land development loans at 19.4%. Its 3 offices in the FDIC Summary of Deposits are in Winchester, TN, Huntland, TN and Decherd, TN; its Winchester office books 89% of its branch deposits. On its Q2 2026 call report, Citizens Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1418 Dinah Shore Blvd, Winchester, TN 37398
- County
- Franklin
- Metro Area
- Winchester, 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
- —
- Call Report form
- FFIEC 051
- Established
- November 19, 1992
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $303.2M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $94K
- Average total assets
- $353.8M
- Average total loans
- $222.4M
- Average interest-bearing deposits
- $253.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 19, 1992
- FDIC Cert
- 33739
- Fed RSSD
- 2002222
- Website
- www.ccbank.net →
- Parent Holding Company
- CITIZENS COMMUNITY BANCSHARES, INC. (RSSD 2354305)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Citizens Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens Community Bank's total assets ranged from $301.9M (Q3 2023) to $365.0M (Q4 2025), 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
$352.6M total assets against $352.6M; $307.5M total liabilities against $312.5M.
$222.9M net loans and leases against $208.3M; $303.2M total deposits against $308.1M.
$67.1M securities against $68.3M; $43.3M cash and balances due against $57.6M.
$5.1M total interest income against $5.2M; $1.5M total interest expense against $1.8M.
$3.6M net interest income against $3.4M.
$296K total noninterest income against $266K; $1.6M total noninterest expense against $1.6M.
$73K provision for credit losses against $0.
$1.7M net income against $1.4M.
1.87% return on assets against 1.55%; 4.26% net interest margin against 4.02%.
14.58% tier 1 leverage ratio against 13.67%.
Inside the full Citizens Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Community Bank rankings
Its closest position to the top of a national ranking is 229 of 3,606, for efficiency ratio; its furthest is 2,355 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.25% (Q3 2024) to 2.05% (Q4 2025) and its net interest margin ran from 3.59% (Q3 2024) to 4.26% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.58% | 1.87% | 0.38% | 1.76% | 4.26% |
| Q1 2026 | 14.21% | 1.75% | 0.46% | 2.10% | 4.11% |
| Q4 2025 | 13.76% | 2.05% | 0.05% | 0.26% | 4.15% |
| Q3 2025 | 13.93% | 1.77% | 0.14% | 0.67% | 4.02% |
| Q2 2025 | 13.67% | 1.55% | 0.19% | 0.93% | 4.02% |
| Q1 2025 | 13.72% | 1.88% | 0.26% | 1.31% | 3.85% |
| Q4 2024 | 13.17% | 1.84% | 0.17% | 4.37% | 3.95% |
| Q3 2024 | 13.61% | 1.25% | 0.69% | 6.70% | 3.59% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Community Bank (main office) | Winchester , TN | 37398 | $269.3M |
| Huntland Branch | Huntland , TN | 37345 | $33.8M |
| Citizens Community Bank Drive-Thru Facility | Decherd , TN | 37324 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TN, rank 92 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $321K approved, $321K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Community Bank
What are Citizens Community Bank's total assets?
As of the Q2 2026 filing, Citizens Community Bank reported total assets of $352.6 million in its FFIEC call report.
Where is Citizens Community Bank headquartered?
It is headquartered in Winchester, TN, United States.
When was Citizens Community Bank founded?
It was established in 1992, per the FDIC institution directory.
Is Citizens Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33739). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Community Bank?
Citizens Community Bank's primary federal regulator is the FDIC.
How many branches does Citizens Community Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Community Bank's Texas Ratio?
Its Texas Ratio is 1.76% 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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