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Citizens Community Bank Locations & Branches Winchester, Tennessee
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Citizens Community Bank operates 3 branches from its headquarters in Winchester, TN, .
Citizens Community Bank branch network
All 3 branches are in TENNESSEE, across 3 cities. Its largest office by deposits is its main office in Winchester, TN, with $269.3M (88.8% of its branch deposits). It had the same number of branches on June 30, 2025.
Citizens Community Bank at a glance
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.
- Total assets, Q2 2026
- $352.6M
- Tier 1 leverage ratio, Q2 2026
- 14.58%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1992
Full financial profile · Is Citizens Community Bank safe? · Citizens Community Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Winchester, TN (1 branch) | 1 of 3 | 77.2% | $269.3M |
| State: TN (3 branches) | 92 of 165 | 0.1% | $303.2M |
Ranked by total assets among banks headquartered in the state: Largest banks in Tennessee.
Share by county and metro area
Citizens Community Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Franklin, TN (3 branches) | 1 of 7 | 36.8% | $303.2M | $823.4M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Tullahoma-Manchester, TN (3 branches) | 3 of 13 | 12.7% | $303.2M | $2.39B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 33739) · FFIEC NIC profile (RSSD 2002222)