Citizens Community Bank
Winchester, TN
IDRSSD: 2002222
Total Assets
$355.78M
Latest filing
Total Deposits
$308.16M
Latest filing
Net Interest Margin
4.19%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Community Bank
1418 Dinah Shore Blvd
Winchester, TN 37398
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/19/1992FDIC Certificate 47930
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Community Bank (Main) | 1418 Dinah Shore Blvd | Winchester, TN |
| CITIZENS COMMUNITY BANK DRIVE-THRU FACILITY | 2176 Decherd Blvd | Decherd, TN |
| HUNTLAND BRANCH | 517 Main St | Huntland, TN |
| HUNTSVILLE LPO BRANCH | 1961 Winchester Road Ne, Suite B | Huntsville, AL |
Showing 3 of 3
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 | 11/19/1992 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37398 |
| State and County Number | 47051 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| 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 | Tullahoma-Manchester, TN |
Operational Info
| Number of Employees | 43 |
| Domestic Offices | 4 |
| 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 | 11/19/1992 |
| Primary Insurance Agency | DIF |
| Website | www.ccbank.net |
| Data Updated | 11/14/2025 |
| CERT | 33739 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $355.78M |
| Total Deposits | $308.16M |
| Total Liabilities | $312.65M |
| Total Equity Capital | $43.13M |
| Net Income | $1.56M |
| Net Loans and Leases | $213.81M |
| Assets Per Employee ($Millions) | $8.27M |
| Bank Premises and Fixed Assets | $1.93M |
| Cash and Balances due from Depository Institutions | $53.26M |
| Deposits Held in Domestic Offices | $308.16M |
Key Performance Ratios
| Return on Assets (ROA) | 1.77% |
| Return on Equity (ROE) | 15.04% |
| Net Interest Margin | 4.19% |
| Efficiency Ratio | 44.61% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.122% |
| Earning Assets to total Assets | 92.39% |
Income and Expense
| Total Interest Income | $5.26M |
| Total Noninterest Income | $281.00k |
| Total Interest Expense | $1.80M |
| Total Noninterest Expense | $1.67M |
| Net Interest Income | $3.46M |
| Pre-tax Net Operating Income | $2.07M |
| Provision for Credit Losses | $0 |
| 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 | $4.50M |
| Total Liabilities and Capital | $355.78M |
Securities
| Securities | $70.57M |
| Available-for-sale debt securities | $69.65M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $918.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Community Bank?
$355.78M as of the latest filing.
How much are Citizens Community Bank's total deposits?
$308.16M in total deposits.
Where is Citizens Community Bank located?
Winchester, TN.
What is the Net Interest Margin?
4.19%.
How many domestic offices does it operate?
4.
When was it established?
11/19/1992.
What is the Return on Assets (ROA)?
1.77%.
How much are total loans and leases?
$213.81M (latest filing).
What is the total interest income (latest filing)?
$5.26M.