Citizens Tri-County Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Citizens Tri-County Bank is an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $1.6B in total assets and $1.5B in deposits. Profitability is strong, 1.85% ROA, paired with 21.32% ROE and a 3.80% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.34% exceeds the CBLR threshold. Asset quality is solid, 0.74% nonperforming loans and a 6.96% Texas Ratio. Its footprint covers 24 branches concentrated in Tennessee.
As of June 30, 2026, Citizens Tri-County Bank reported a Tier 1 leverage ratio of 9.34%, a return on assets of 1.85%, a nonperforming-loan ratio of 0.74%, a Texas ratio of 6.96%, per financial data filed with the FFIEC.
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)
- Offices
- 24 domestic
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens Tri-County Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens Tri-County 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.34% | 1.85% | 0.74% | 6.96% | 3.80% |
| Q1 2026 | 9.13% | 1.82% | 0.63% | 6.32% | 3.68% |
| Q4 2025 | 9.05% | 1.94% | 0.47% | 5.47% | 3.92% |
| Q3 2025 | 9.51% | 1.86% | 0.51% | 5.46% | 3.82% |
| Q2 2025 | 9.04% | 1.88% | 0.73% | 6.03% | 3.75% |
| Q1 2025 | 9.21% | 1.66% | 0.71% | 5.91% | 3.50% |
| Q4 2024 | 9.15% | 1.85% | 0.62% | 5.73% | 3.69% |
| Q3 2024 | 9.40% | 1.78% | 0.61% | 5.35% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 24 branches →
| 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
What the public regulatory sources show for Citizens Tri-County Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Citizens Tri-County Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Citizens Tri-County Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Tri-County Bank headquartered?
Citizens Tri-County Bank is headquartered in Dunlap, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Citizens Tri-County Bank founded?
Citizens Tri-County Bank was established in 1972, per the FDIC institution directory.
Is Citizens Tri-County Bank FDIC-insured?
Yes. Citizens Tri-County Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Citizens Tri-County Bank operate?
Citizens Tri-County Bank 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?
Citizens Tri-County Bank's Texas Ratio is 6.96% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
Go deeper on Citizens Tri-County Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Citizens Tri-County Bank, freeFree account