Citizens Community Bank
Winchester, TN
IDRSSD: 2002222
Total Assets
$364.99M
Latest filing
Total Deposits
$318.28M
Latest filing
Net Interest Margin
4.24%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
064104036WINCHESTER, TN
Key People
Loading leadership data...
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 01/30/2026Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
CedarStone Bank
Lebanon, Tennessee
→
Assets: $357.61MΔ +0.5%
The First National Bank of Oneida
Oneida, Tennessee
→
Assets: $347.94MΔ -2.2%
Community Bank
Lexington, Tennessee
→
Assets: $342.32MΔ -3.8%
RockPointBank, National Association
Chattanooga, Tennessee
→
Assets: $337.04MΔ -5.3%
Security Federal Savings Bank of McMinnville
Mcminnville, Tennessee
→
Assets: $375.53MΔ +5.6%
Volunteer Federal Savings Bank
Madisonville, Tennessee
→
Assets: $376.00MΔ +5.7%
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 | 01/30/2026 |
| CERT | 33739 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $364.99M |
| Total Deposits | $318.28M |
| Total Liabilities | $322.04M |
| Total Equity Capital | $42.95M |
| Net Income | $1.83M |
| Net Loans and Leases | $224.50M |
| Assets Per Employee ($Millions) | $8.49M |
| Bank Premises and Fixed Assets | $1.92M |
| Cash and Balances due from Depository Institutions | $53.29M |
| Deposits Held in Domestic Offices | $318.28M |
Key Performance Ratios
| Return on Assets (ROA) | 2.03% |
| Return on Equity (ROE) | 16.97% |
| Net Interest Margin | 4.24% |
| Efficiency Ratio | 42.02% |
| 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 | 11.767% |
| Earning Assets to total Assets | 92.63% |
Income and Expense
| Total Interest Income | $5.26M |
| Total Noninterest Income | $305.00k |
| Total Interest Expense | $1.72M |
| Total Noninterest Expense | $1.61M |
| Net Interest Income | $3.53M |
| Pre-tax Net Operating Income | $2.23M |
| Provision for Credit Losses | $0 |
| 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 | $3.76M |
| Total Liabilities and Capital | $364.99M |
Securities
| Securities | $69.11M |
| Available-for-sale debt securities | $68.19M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $928.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Community Bank?
$364.99M as of the latest filing.
How much are Citizens Community Bank's total deposits?
$318.28M in total deposits.
Where is Citizens Community Bank located?
Winchester, TN.
What is the Net Interest Margin?
4.24%.
How many domestic offices does it operate?
4.
When was it established?
11/19/1992.
What is the Return on Assets (ROA)?
2.03%.
How much are total loans and leases?
$224.50M (latest filing).
What is the total interest income (latest filing)?
$5.26M.