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Citizens Tri-County Bank

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Dunlap, TN $1B to $10B in assets Est. October 2, 1972 FDIC #20818 RSSD #162337 Routing #064102070 FDIC

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
Asset rank in state
18th of 109 in Tennessee
Assets
$1.64B
Deposits
$1.48B
Loans
$1.07B
Equity
$148.5M

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

Profitability

Q2 annualized
Return on Assets1.85%YTD 1.83%
Return on Equity21.32%YTD 21.38%
Net Interest Margin3.80%YTD 3.74%

Balance Sheet

Total liabilities$1.49B
Cash & balances due$232.6M
Securities, available-for-sale$193.8M
Securities, held-to-maturity$0
Goodwill & intangibles$5.0M

Income Statement

Net income Q2$7.7M
Net interest income YTD$28.9M
Total interest income YTD$46.3M
Total interest expense YTD$17.3M
Provision for credit losses YTD$46K

Operating & Funding

Total noninterest income YTD$4.3M
Total noninterest expense YTD$18.1M

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

Total assets and total liabilities

$1.64B total assets against $1.55B; $1.49B total liabilities against $1.42B.

Loans and leases against deposits

$1.06B net loans and leases against $961.1M; $1.48B total deposits against $1.41B.

Securities and cash

$193.8M securities against $184.7M; $232.6M cash and balances due against $349.9M.

Interest income against interest expense

$23.7M total interest income against $22.7M; $8.8M total interest expense against $8.9M.

Net interest income

$14.9M net interest income against $13.8M.

Noninterest income against noninterest expense

$2.1M total noninterest income against $2.1M; $9.3M total noninterest expense against $8.6M.

Provision for credit losses

$3K provision for credit losses against -$12K.

Net income

$7.7M net income against $7.3M.

Return on assets and net interest margin

1.85% return on assets against 1.88%; 3.80% net interest margin against 3.75%.

CET1 and Tier 1 leverage ratios

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

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Watch 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.

CRE concentration at 245% of capital, approaching guidance BRR analysis What does this mean? →

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.

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.

1–24 of 24
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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Citizens Tri-County Bank: regulatory capital profile · BankRegReports

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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