Citizens Tri-County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 43.88 percentage points in Q2 2026, from 261.75% to 217.86%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Citizens Tri-County Bank is 19th of 109 on return on assets, 1.85% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Citizens Tri-County Bank sits 0.57 points higher, at 1.85% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.34% |
| Equity capital to assets | 9.05% |
| Tangible equity to tangible assets | 8.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.74% |
| Non-performing assets ratio | 0.68% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 6.96% |
| Allowance for credit losses to loans | 1.61% |
| Reserve coverage of non-performing loans | 217.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 21.32% |
| Net interest margin | 3.80% |
| Efficiency ratio | 53.55% |
| Yield on earning assets | 6.00% |
| Cost of funds | 2.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.75% |
| Core deposits to total deposits | 90.59% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.06% |
| Securities to assets | 11.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.57% | 0.43% | 3.34% | 0.78% | 0.13% |
| Q4 2023 | 9.30% | 1.62% | 3.43% | 0.39% | 1.60% |
| Q1 2024 | 9.22% | 1.49% | 3.31% | 0.70% | 0.02% |
| Q2 2024 | 9.33% | 1.73% | 3.52% | 0.72% | 0.07% |
| Q3 2024 | 9.40% | 1.78% | 3.55% | 0.61% | 0.10% |
| Q4 2024 | 9.15% | 1.85% | 3.69% | 0.62% | 0.04% |
| Q1 2025 | 9.21% | 1.66% | 3.50% | 0.71% | 0.01% |
| Q2 2025 | 9.04% | 1.88% | 3.75% | 0.73% | -0.02% |
| Q3 2025 | 9.51% | 1.86% | 3.82% | 0.51% | 0.11% |
| Q4 2025 | 9.05% | 1.94% | 3.92% | 0.47% | 0.03% |
| Q1 2026 | 9.13% | 1.82% | 3.68% | 0.63% | -0.01% |
| Q2 2026 | 9.34% | 1.85% | 3.80% | 0.74% | 0.11% |
Citizens Tri-County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Tri-County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20818) · FFIEC NIC profile (RSSD 162337)