Citizens National Bank (Sevierville, TN)
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Data as of · sourced from FFIEC call reports. How we update
Citizens National Bank is an FDIC-insured commercial bank headquartered in Sevierville, TN, established in 1973 (FDIC certificate 20954), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.96B, up 3.4% from Q2 2025, the 12th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 15.08% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 20954
- Headquarters
- Sevierville, TN
- Established
- 1973
- Total assets, Q2 2026
- $1.96B
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 15.08%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 064202255
- Latest call report
- Q2 2026, FFIEC 041 · Citizens National Bank call report
- Holding company
- CNB BANCSHARES, INC.
- Asset rank in state
- 12th of 109 in Tennessee
Citizens National Bank is one of the more profitable banks of its size. Based in Sevierville, Tennessee, it had $2.0 billion in assets at June 30, 2026, up 3.4% from a year earlier. It returns 21.4% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). It also carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size. Much of that comes from cost control: it spends about 42 cents to bring in each dollar of revenue.
Net income for the quarter rose 17% from a year earlier, to $10 million. Concentration is the risk to watch: it holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Citizens National Bank reported a CET1 capital ratio of 15.08%, a return on assets of 2.07%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens National Bank is the 12th largest of the 109 banks headquartered in Tennessee. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $1.96B, loans fell 0.1% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 41.3% of total loans, followed by 1-4 family residential loans at 17.9%. The FDIC Summary of Deposits lists 21 offices for it, in 11 cities in TN; its Sevierville 6 offices book 48% of its branch deposits. Judged on its Q2 2026 call report, Citizens National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 Forks Of The River Pkwy, Sevierville, TN 37862
- County
- Sevier
- Metro Area
- Sevierville, TN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 5, 1973
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 189
- Domestic deposits
- $1.74B
- Allowance for credit losses
- $16.3M
- Net charge-offs (YTD)
- $30K
- Average total assets
- $1.96B
- Average total loans
- $1.34B
- Average interest-bearing deposits
- $1.40B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 5, 1973
- FDIC Cert
- 20954
- Fed RSSD
- 717737
- Website
- www.cnbtn.com →
- Parent Holding Company
- CNB BANCSHARES, INC. (RSSD 1086270)
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
Citizens National Bank's total assets moved between a low of $1.67B (Q3 2023) and a high of $1.96B (Q4 2025) from Q3 2023 to 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
$1.96B total assets against $1.89B; $1.77B total liabilities against $1.72B.
$1.32B net loans and leases against $1.26B; $1.74B total deposits against $1.70B.
$444.4M securities against $425.3M; $130.3M cash and balances due against $126.5M.
$24.8M total interest income against $23.7M; $8.3M total interest expense against $9.0M.
$16.5M net interest income against $14.7M.
$2.4M total noninterest income against $2.7M; $8.0M total noninterest expense against $8.1M.
$300K provision for credit losses against $500K.
$10.1M net income against $8.7M.
2.07% return on assets against 1.82%; 3.51% net interest margin against 3.25%.
15.08% CET1 capital ratio against 14.20%; 11.17% tier 1 leverage ratio against 10.52%.
Inside the full Citizens National 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 National Bank rankings
Its closest position to the top of a national ranking is 267 of 3,606, for efficiency ratio; its furthest is 3,104 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.51% (Q1 2025) to 2.30% (Q4 2025) and its net interest margin ran from 2.98% (Q3 2024) to 3.52% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.08% | 2.07% | 0.04% | 0.28% | 3.51% |
| Q1 2026 | 14.84% | 1.93% | 0.03% | 0.21% | 3.38% |
| Q4 2025 | 15.07% | 2.30% | 0.01% | 0.08% | 3.52% |
| Q3 2025 | 14.31% | 1.75% | 0.05% | 0.33% | 3.38% |
| Q2 2025 | 14.20% | 1.82% | 0.03% | 0.21% | 3.25% |
| Q1 2025 | 13.92% | 1.51% | 0.01% | 0.05% | 3.06% |
| Q4 2024 | 13.77% | 1.75% | 0.01% | 0.05% | 3.13% |
| Q3 2024 | 13.92% | 1.64% | 0.00% | 0.00% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 21 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 National Bank (main office) | Sevierville , TN | 37862 | $609.2M |
| Pigeon Forge Branch | Pigeon Forge , TN | 37863 | $220.3M |
| Kodak Branch | Kodak , TN | 37764 | $152.3M |
| Dolly Parton Parkway Branch | Sevierville , TN | 37862 | $121.9M |
| Seymour Office Branch | Seymour , TN | 37865 | $94.9M |
| Dandridge Branch | Dandridge , TN | 37725 | $69.6M |
| Gatlinburg Branch | Gatlinburg , TN | 37738 | $63.0M |
| Merchants Greene Branch | Morristown , TN | 37814 | $47.8M |
| Newport Hwy at 416 Branch | Sevierville , TN | 37862 | $45.8M |
| Strawberry Plains Branch | Knoxville , TN | 37924 | $41.1M |
| Jefferson City Traditional Branch | Jefferson City , TN | 37760 | $40.8M |
| White Pine Branch | White Pine , TN | 37890 | $37.8M |
| Downtown Gatlinburg Branch | Gatlinburg , TN | 37738 | $37.3M |
| Pigeon Forge Kroger Branch | Pigeon Forge , TN | 37863 | $36.4M |
| Sevierville Food City Branch | Sevierville , TN | 37862 | $28.5M |
| Seymour Kroger Branch | Seymour , TN | 37865 | $23.5M |
| Sevierville Kroger Branch | Sevierville , TN | 37876 | $23.3M |
| Athens - Decatur Pike Branch | Athens , TN | 37303 | $22.3M |
| Kodak Food City Branch | Kodak , TN | 37764 | $13.4M |
| New Center Food City | Sevierville , TN | 37876 | $8.9M |
| Teaster Lane Food City Branch | Pigeon Forge , TN | 37863 | $4.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 18, 2010, OCC: Formal Agreement: Citizens National Bank
- Period: Most recent institution action March 18, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in TN, rank 22 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 73 applications, 65 loans originated, $27.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $20K approved, $20K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 National Bank
What are Citizens National Bank's total assets?
As of the Q2 2026 filing, Citizens National Bank reported total assets of $1.96 billion in its FFIEC call report.
Where is Citizens National Bank headquartered?
It is headquartered in Sevierville, TN, United States.
When was Citizens National Bank founded?
It was established in 1973, per the FDIC institution directory.
Is Citizens National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens National Bank?
Citizens National Bank's primary federal regulator is the OCC.
What is Citizens National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.08% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens National Bank operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens National Bank's Texas Ratio?
Its Texas Ratio is 0.28% 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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