Citizens Bank
Elizabethton, TN
IDRSSD: 778738
Total Assets
$1.34B
Latest filing
Total Deposits
$1.15B
Latest filing
Net Interest Margin
4.32%
Profitability
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 | 11/03/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37643 |
| State and County Number | 47019 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| 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 | Johnson City, TN |
Operational Info
| Number of Employees | 234 |
| Domestic Offices | 14 |
| 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 | 11/03/1934 |
| Primary Insurance Agency | DIF |
| Website | www.citizensbank24.com |
| Data Updated | 11/14/2025 |
| CERT | 14851 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.34B |
| Total Deposits | $1.15B |
| Total Liabilities | $1.17B |
| Total Equity Capital | $176.70M |
| Net Income | $7.17M |
| Net Loans and Leases | $1.05B |
| Assets Per Employee ($Millions) | $5.79M |
| Bank Premises and Fixed Assets | $16.12M |
| Cash and Balances due from Depository Institutions | $20.33M |
| Deposits Held in Domestic Offices | $1.15B |
Key Performance Ratios
| Return on Assets (ROA) | 2.02% |
| Return on Equity (ROE) | 15.51% |
| Net Interest Margin | 4.32% |
| Efficiency Ratio | 56.92% |
| Tier 1 Risk-Based Capital Ratio | 14.74% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.04% |
| Earning Assets to total Assets | 95.29% |
Income and Expense
| Total Interest Income | $21.35M |
| Total Noninterest Income | $5.11M |
| Total Interest Expense | $7.63M |
| Total Noninterest Expense | $10.75M |
| Net Interest Income | $13.72M |
| Pre-tax Net Operating Income | $7.39M |
| Provision for Credit Losses | $702.00k |
| 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 | $38.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $26.23M |
| Federal Funds Purchased and Repurchased Agreement | $2.99M |
| All Other Liabilities | $16.61M |
| Total Liabilities and Capital | $1.34B |
Securities
| Securities | $203.97M |
| Available-for-sale debt securities | $137.68M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $64.20M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank?
$1.34B as of the latest filing.
How much are Citizens Bank's total deposits?
$1.15B in total deposits.
Where is Citizens Bank located?
Elizabethton, TN.
What is the Net Interest Margin?
4.32%.
How many domestic offices does it operate?
14.
When was it established?
11/03/1934.
What is the Return on Assets (ROA)?
2.02%.
How much are total loans and leases?
$1.05B (latest filing).
What is the total interest income (latest filing)?
$21.35M.