Citizens Bank
Carthage, TN
IDRSSD: 126834
Total Assets
$812.03M
Latest filing
Total Deposits
$700.57M
Latest filing
Net Interest Margin
3.66%
Profitability
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 11/14/2025Established 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 | 70 |
| 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 | 11/14/2025 |
| CERT | 893 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $812.03M |
| Total Deposits | $700.57M |
| Total Liabilities | $705.68M |
| Total Equity Capital | $106.36M |
| Net Income | $4.13M |
| Net Loans and Leases | $450.64M |
| Assets Per Employee ($Millions) | $11.94M |
| Bank Premises and Fixed Assets | $1.78M |
| Cash and Balances due from Depository Institutions | $19.67M |
| Deposits Held in Domestic Offices | $700.57M |
Key Performance Ratios
| Return on Assets (ROA) | 2.05% |
| Return on Equity (ROE) | 16.59% |
| Net Interest Margin | 3.66% |
| Efficiency Ratio | 28.51% |
| 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 | 13.098% |
| Earning Assets to total Assets | 96.8% |
Income and Expense
| Total Interest Income | $11.04M |
| Total Noninterest Income | $450.00k |
| Total Interest Expense | $3.94M |
| Total Noninterest Expense | $2.15M |
| Net Interest Income | $7.10M |
| Pre-tax Net Operating Income | $5.21M |
| Provision for Credit Losses | $186.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $5.11M |
| Total Liabilities and Capital | $812.03M |
Securities
| Securities | $320.07M |
| Available-for-sale debt securities | $320.07M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$812.03M as of the latest filing.
How much are Citizens Bank's total deposits?
$700.57M in total deposits.
Where is Citizens Bank located?
Carthage, TN.
What is the Net Interest Margin?
3.66%.
How many domestic offices does it operate?
7.
When was it established?
10/26/1929.
What is the Return on Assets (ROA)?
2.05%.
How much are total loans and leases?
$450.64M (latest filing).
What is the total interest income (latest filing)?
$11.04M.