Citizens Savings Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Citizens Savings Bank and Trust Company is an FDIC-insured commercial bank headquartered in Nashville, TN, established in 1904 (FDIC certificate 10319), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $188.1M, up 1.7% from Q2 2025, the 92nd largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 14.40% 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
- 10319
- Headquarters
- Nashville, TN
- Established
- 1904
- Total assets, Q2 2026
- $188.1M
- Assets vs Q2 2025
- +1.7%
- CET1 ratio, Q2 2026
- 14.40%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 064000185
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Savings Bank and Trust Company call report
- Holding company
- CSB&T BANCORP, INC.
- Asset rank in state
- 92nd of 109 in Tennessee
Citizens Savings Bank and Trust Company spends more to run itself than most banks of its size. Based in Nashville, Tennessee, it had $188 million in assets at June 30, 2026, up 1.7% from a year earlier. It earns about $0.04 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 95 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
The balance sheet shrank over the year: over the year loans fell 0.5% and deposits fell 6.0%. Funding is the softer spot: it pays an average of 2.80% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Citizens Savings Bank and Trust Company reported a CET1 capital ratio of 14.40%, a return on assets of 0.04%, a nonperforming-loan ratio of 2.72% and a Texas ratio of 29.69%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Citizens Savings Bank and Trust Company is the 92nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $188.1M, loans fell 0.4% and deposits fell 2.0%. 1-4 family residential loans made up 57.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.0%. Its one office in the FDIC Summary of Deposits is in Nashville, TN. Judged on its Q2 2026 call report, Citizens Savings Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2013 Jefferson St, Nashville, TN 37208
- County
- Davidson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 4, 1904
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $156.5M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $162K
- Average total assets
- $185.9M
- Average total loans
- $157.1M
- Average interest-bearing deposits
- $137.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10319
- Fed RSSD
- 55635
- SEC CIK
- 1645422 → filed by CSB&T BANCORP, INC.
- Website
- www.bankcbn.com →
- Parent Holding Company
- CSB&T BANCORP, INC. (RSSD 3602227)
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 Savings Bank and Trust Company's total assets moved between a low of $173.3M (Q3 2023) and a high of $188.1M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$188.1M total assets against $185.0M; $170.5M total liabilities against $167.7M.
$158.5M net loans and leases against $159.4M; $156.5M total deposits against $166.4M.
$6.2M securities against $6.9M; $18.4M cash and balances due against $14.6M.
$2.8M total interest income against $2.8M; $1.2M total interest expense against $1.3M.
$1.6M net interest income against $1.5M.
$117K total noninterest income against $187K; $1.7M total noninterest expense against $1.6M.
$53K provision for credit losses against $50K.
$17K net income against -$5K.
0.04% return on assets against -0.01%; 3.56% net interest margin against 3.33%.
14.40% CET1 capital ratio against 13.85%; 9.56% tier 1 leverage ratio against 9.41%.
Inside the full Citizens Savings Bank and Trust Company 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Citizens Savings Bank and Trust Company rankings
Its closest position to the top of a national ranking is 57 of 3,640, for Texas Ratio; its furthest is 3,528 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.74% (Q4 2024) to 0.41% (Q1 2026) and its net interest margin ran from 3.12% (Q4 2024) to 3.85% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.40% | 0.04% | 2.72% | 29.69% | 3.56% |
| Q1 2026 | 14.38% | 0.41% | 2.94% | 31.46% | 3.54% |
| Q4 2025 | 14.25% | 0.26% | 3.16% | 30.65% | 3.85% |
| Q3 2025 | 14.29% | -0.10% | 2.45% | 27.40% | 3.25% |
| Q2 2025 | 13.85% | -0.01% | 2.66% | 29.14% | 3.33% |
| Q1 2025 | 13.99% | 0.17% | 3.14% | 31.51% | 3.19% |
| Q4 2024 | 13.82% | -1.74% | 3.25% | 29.17% | 3.12% |
| Q3 2024 | 14.38% | 0.10% | 1.97% | 18.83% | 3.32% |
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Branch Network
View the branch → 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 Savings Bank and Trust Company (main office) | Nashville , TN | 37208 | $156.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 128 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 57 applications, 44 loans originated, $14.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (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 Savings Bank and Trust Company
What are Citizens Savings Bank and Trust Company's total assets?
As of the Q2 2026 filing, Citizens Savings Bank and Trust Company reported total assets of $188.1 million in its FFIEC call report.
Where is Citizens Savings Bank and Trust Company headquartered?
It is headquartered in Nashville, TN, United States.
When was Citizens Savings Bank and Trust Company founded?
It was established in 1904, per the FDIC institution directory.
Is Citizens Savings Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Savings Bank and Trust Company?
Citizens Savings Bank and Trust Company's primary federal regulator is the FDIC.
What is Citizens Savings Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Savings Bank and Trust Company operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Savings Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 29.69% 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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