Citizens Bank
Carthage, TN
IDRSSD: 126834
Total Assets
$831.16M
Latest filing
Total Deposits
$713.44M
Latest filing
Net Interest Margin
3.72%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
064107729CARTHAGE, TN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank
407 Main St N
Carthage, TN 37030
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/26/1929FDIC Certificate 571
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank (Main) | 407 Main St N | Carthage, TN |
| GORDONSVILLE BRANCH | 530 Gordonsville Hwy | Gordonsville, TN |
| SOUTH CARTHAGE BRANCH | 70 Cookeville Hwy | Carthage, TN |
| CARTHAGE BRANCH | 61 Dixon Springs Hwy | Carthage, TN |
| WEST BOCKMAN WAY BRANCH | 577 W Bockman Way | Sparta, TN |
| COOKEVILLE BRANCH | 51 E Jackson St | Cookeville, TN |
| NORTH SPRING STREET BRANCH | 325 N Spring St | Sparta, TN |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/26/1929 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37030 |
| State and County Number | 47159 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Nashville-Davidson-Murfreesboro-Franklin, TN |
Operational Info
| Number of Employees | 68 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.citzcar.com |
| Data Updated | 01/30/2026 |
| CERT | 893 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $831.16M |
| Total Deposits | $713.44M |
| Total Liabilities | $718.45M |
| Total Equity Capital | $112.71M |
| Net Income | $3.95M |
| Net Loans and Leases | $446.34M |
| Assets Per Employee ($Millions) | $12.41M |
| Bank Premises and Fixed Assets | $1.75M |
| Cash and Balances due from Depository Institutions | $39.00M |
| Deposits Held in Domestic Offices | $713.44M |
Key Performance Ratios
| Return on Assets (ROA) | 1.92% |
| Return on Equity (ROE) | 14.43% |
| Net Interest Margin | 3.72% |
| Efficiency Ratio | 44.63% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.561% |
| Earning Assets to total Assets | 96.16% |
Income and Expense
| Total Interest Income | $11.35M |
| Total Noninterest Income | $418.00k |
| Total Interest Expense | $3.98M |
| Total Noninterest Expense | $3.48M |
| Net Interest Income | $7.37M |
| Pre-tax Net Operating Income | $4.13M |
| Provision for Credit Losses | $186.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.01M |
| Total Liabilities and Capital | $831.16M |
Securities
| Securities | $324.57M |
| Available-for-sale debt securities | $324.57M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank?
$831.16M as of the latest filing.
How much are Citizens Bank's total deposits?
$713.44M in total deposits.
Where is Citizens Bank located?
Carthage, TN.
What is the Net Interest Margin?
3.72%.
How many domestic offices does it operate?
7.
When was it established?
10/26/1929.
What is the Return on Assets (ROA)?
1.92%.
How much are total loans and leases?
$446.34M (latest filing).
What is the total interest income (latest filing)?
$11.35M.