Citizens Tri-County Bank
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Data as of · sourced from FFIEC call reports. How we update
Citizens Tri-County Bank is an FDIC-insured commercial bank headquartered in Dunlap, TN, established in 1972 (FDIC certificate 20818), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.64B, up 5.8% from Q2 2025, the 18th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.34% 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
- 20818
- Headquarters
- Dunlap, TN
- Established
- 1972
- Total assets, Q2 2026
- $1.64B
- Assets vs Q2 2025
- +5.8%
- Tier 1 leverage ratio, Q2 2026
- 9.34%
- Domestic offices
- 24 FDIC institution directory, current count
- Routing number
- 064102070
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Tri-County Bank call report
- Holding company
- SEQUATCHIE VALLEY BANCSHARES, INC.
- Asset rank in state
- 18th of 109 in Tennessee
Citizens Tri-County Bank is one of the more profitable banks of its size. The Dunlap, Tennessee bank had $1.6 billion in assets at June 30, 2026, up 5.8% from a year earlier. It returns 21.3% 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%). On the other hand, it funds 9.34% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Loans are outrunning deposits: over the year loans rose 9.8% and deposits rose 4.9%.
As of June 30, 2026, Citizens Tri-County Bank reported a return on assets of 1.85%, a nonperforming-loan ratio of 0.75% and a Texas ratio of 6.96%. The figures come from its call report filed with the FFIEC.
Citizens Tri-County Bank ranks as the 18th 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 0.8% to $1.64B, loans rose 0.8% and deposits fell 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.5% of total loans, followed by construction and land development loans at 21.7%. Its 24 offices in the FDIC Summary of Deposits are in 20 cities in TN; its Dunlap 3 offices book 19% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Tri-County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 15699 Rankin Ave, Dunlap, TN 37327
- County
- Sequatchie
- Metro Area
- Chattanooga, TN-GA
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 2, 1972
- Former names
- Citizens Bank of Dunlap and Pikeville (1984-1992); Citizens Bank of Dunlap (1977-1984)
- Domestic offices
- 24 FDIC institution directory, current count
- Employees (FTE)
- 301
- Domestic deposits
- $1.48B
- Allowance for credit losses
- $17.3M
- Net charge-offs (YTD)
- $263K
- Average total assets
- $1.67B
- Average total loans
- $1.07B
- Average interest-bearing deposits
- $1.22B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 2, 1972
- FDIC Cert
- 20818
- Fed RSSD
- 162337
- Website
- www.ctcbonline.com →
- Parent Holding Company
- SEQUATCHIE VALLEY BANCSHARES, INC. (RSSD 1085330)
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 Tri-County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Citizens Tri-County Bank's total assets ran between $1.29B (Q3 2023) and $1.65B (Q1 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
$1.64B total assets against $1.55B; $1.49B total liabilities against $1.42B.
$1.06B net loans and leases against $961.1M; $1.48B total deposits against $1.41B.
$193.8M securities against $184.7M; $232.6M cash and balances due against $349.9M.
$23.7M total interest income against $22.7M; $8.8M total interest expense against $8.9M.
$14.9M net interest income against $13.8M.
$2.1M total noninterest income against $2.1M; $9.3M total noninterest expense against $8.6M.
$3K provision for credit losses against -$12K.
$7.7M net income against $7.3M.
1.85% return on assets against 1.88%; 3.80% net interest margin against 3.75%.
9.34% tier 1 leverage ratio against 9.04%.
Inside the full Citizens Tri-County 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens Tri-County Bank rankings
Its closest position to the top of a national ranking is 679 of 4,196, for total assets; its furthest is 629 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.66% (Q1 2025) to 1.94% (Q4 2025) and its net interest margin ran from 3.50% (Q1 2025) to 3.92% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.34% | 1.85% | 0.75% | 6.96% | 3.80% |
| Q1 2026 | 9.13% | 1.82% | 0.64% | 6.32% | 3.68% |
| Q4 2025 | 9.05% | 1.94% | 0.48% | 5.47% | 3.92% |
| Q3 2025 | 9.51% | 1.86% | 0.51% | 5.46% | 3.82% |
| Q2 2025 | 9.04% | 1.88% | 0.74% | 6.03% | 3.75% |
| Q1 2025 | 9.21% | 1.66% | 0.72% | 5.91% | 3.50% |
| Q4 2024 | 9.15% | 1.85% | 0.66% | 5.73% | 3.69% |
| Q3 2024 | 9.40% | 1.78% | 0.64% | 5.35% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 24 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 Tri-County Bank (main office) | Dunlap , TN | 37327 | $274.3M |
| Bledsoe Branch | Pikeville , TN | 37367 | $117.9M |
| Tullahoma Branch | Tullahoma , TN | 37388 | $117.5M |
| Warren Branch | Mcminnville , TN | 37110 | $115.2M |
| Decherd Branch | Decherd , TN | 37324 | $109.0M |
| Jasper Branch | Jasper , TN | 37347 | $94.7M |
| Altamont Branch | Altamont , TN | 37301 | $82.9M |
| Soddy Daisy Branch | Soddy Daisy , TN | 37379 | $80.7M |
| Signal Mountain Branch | Signal Mountain , TN | 37377 | $76.0M |
| Spencer Branch | Spencer , TN | 38585 | $75.6M |
| Whitwell Branch | Whitwell , TN | 37397 | $59.2M |
| Tracy City Branch | Tracy City , TN | 37387 | $57.0M |
| South Pittsburg Branch | South Pittsburg , TN | 37380 | $55.4M |
| Monteagle Branch | Monteagle , TN | 37356 | $47.6M |
| Palmer Branch | Palmer , TN | 37365 | $32.8M |
| Manchester Branch | Manchester , TN | 37355 | $20.7M |
| Mcminnville Plaza Branch | Mcminnville , TN | 37110 | $19.6M |
| Morrison Branch | Morrison , TN | 37357 | $16.9M |
| Tracy City Branch | Tracy City , TN | 37387 | $16.2M |
| Cowan Branch | Cowan , TN | 37318 | $8.4M |
| South Dunlap Motor Branch | Dunlap , TN | 37327 | $0 |
| Coalmont Branch | Coalmont , TN | 37313 | $0 |
| Industrial Motor Branch | Dunlap , TN | 37327 | $0 |
| Citizens Tri-County Bank Mount Leo Branch | Mc Minnville , TN | 37110 | $0 |
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 |
|---|---|---|---|
| August 29, 2016 | Structure Change | Acquired Franklin County United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 27, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 18, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 16, 2011 | Structure Change | Acquired Citizens Bank of Spencer, Tenn. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 26, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 26, 2006 | Structure Change | Acquired First National Bank of Tullahoma Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 18, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 1984 | Structure Change | Acquired Bledsoe County Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in TN, rank 29 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 747 applications, 562 loans originated, $121.3M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $587K approved, $587K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Tri-County Bank
What are Citizens Tri-County Bank's total assets?
As of the Q2 2026 filing, Citizens Tri-County Bank reported total assets of $1.64 billion in its FFIEC call report.
Where is Citizens Tri-County Bank headquartered?
It is headquartered in Dunlap, TN, United States.
When was Citizens Tri-County Bank founded?
It was established in 1972, per the FDIC institution directory.
Is Citizens Tri-County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20818). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Tri-County Bank?
Citizens Tri-County Bank's primary federal regulator is the FDIC.
How many branches does Citizens Tri-County Bank operate?
It operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Tri-County Bank's Texas Ratio?
Its Texas Ratio is 6.96% 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.
What was Citizens Tri-County Bank previously called?
The charter now named Citizens Tri-County Bank has also operated as Citizens Bank of Dunlap and Pikeville (1984-1992), Citizens Bank of Dunlap (1977-1984), per FDIC structure-change records.
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