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Citizens Bank
Carthage, TN · FDIC Certificate #893 · Chartered 10/2
Total assets
$832.45M
Total deposits
$715.99M
Total equity
$111.84M
Net loans
$461.39M
Branches (offices)
7
Net income (YTD)
$8.54M
Rank: #1,214 of 4,213 U.S. banks by assets · #39 of 109 in Tennessee. Assets changed 4.0% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.05% |
| Return on equity | 15.59% |
| Net interest margin (YTD) | 3.69% |
| Equity to assets | 13.44% |
| Tier 1 leverage ratio | 16.29% |
| Uninsured deposits (share of deposits) | 27.2% |
| Noncurrent loans (share of loans) | 0.62% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 64.4% |
| Real estate loans (share of loans) | 85.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $393.13M | 85.2% | |
| Commercial & industrial | $39.80M | 8.6% | |
| Consumer / individual | $30.15M | 6.5% | |
| Construction & development | $57.84M | 12.5% | |
| Agricultural | $3.98M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $743.87M | $651.18M | $8.80M | $91.48M |
| Jun 2023 | $733.19M | $635.82M | $6.80M | $94.53M |
| Jun 2024 | $788.19M | $686.41M | $5.76M | $96.89M |
| Jun 2025 | $800.29M | $702.74M | $7.03M | $93.02M |
| Jun 2026 | $832.45M | $715.99M | $8.54M | $111.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $715.99M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $715.99M.
Similar-sized banks
Timberline Bank ($832.56M) · Arthur State Bank ($831.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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