Citizens National Bank
Sevierville, TN
IDRSSD: 717737
Total Assets
$1.96B
Latest filing
Total Deposits
$1.75B
Latest filing
Net Interest Margin
3.59%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens National Bank
200 Forks Of The River Pkwy
Sevierville, TN 37862
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/05/1973FDIC Certificate 14470
Branches (20)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Citizens National Bank (Main) | 200 Forks Of The River Pkwy | Sevierville, TN |
| SEYMOUR OFFICE BRANCH | 10641 Chapman Hwy | Seymour, TN |
| PIGEON FORGE BRANCH | 2661 Parkway | Pigeon Forge, TN |
| KODAK BRANCH | 3014 Winfield Dunn Pkwy | Kodak, TN |
| DOLLY PARTON PARKWAY BRANCH | 801 Dolly Parton Pkwy | Sevierville, TN |
| GATLINBURG BRANCH | 906 E Parkway | Gatlinburg, TN |
| PIGEON FORGE KROGER BRANCH | 220 Wears Valley Rd | Pigeon Forge, TN |
| SEYMOUR KROGER BRANCH | 10721 Chapman Hwy | Seymour, TN |
Showing 7 of 20
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 02/05/1973 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37862 |
| State and County Number | 47155 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Sevierville, TN |
Operational Info
| Number of Employees | 214 |
| Domestic Offices | 23 |
| 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 | 02/05/1973 |
| Primary Insurance Agency | DIF |
| Website | www.cnbtn.com |
| Data Updated | 01/30/2026 |
| CERT | 20954 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.96B |
| Total Deposits | $1.75B |
| Total Liabilities | $1.78B |
| Total Equity Capital | $188.56M |
| Net Income | $11.31M |
| Net Loans and Leases | $1.28B |
| Assets Per Employee ($Millions) | $9.27M |
| Bank Premises and Fixed Assets | $25.03M |
| Cash and Balances due from Depository Institutions | $199.44M |
| Deposits Held in Domestic Offices | $1.75B |
Key Performance Ratios
| Return on Assets (ROA) | 2.32% |
| Return on Equity (ROE) | 24.71% |
| Net Interest Margin | 3.59% |
| Efficiency Ratio | 42.5% |
| Tier 1 Risk-Based Capital Ratio | 15.069% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.596% |
| Earning Assets to total Assets | 94.62% |
Income and Expense
| Total Interest Income | $24.93M |
| Total Noninterest Income | $3.52M |
| Total Interest Expense | $8.48M |
| Total Noninterest Expense | $8.49M |
| Net Interest Income | $16.45M |
| Pre-tax Net Operating Income | $11.19M |
| Provision for Credit Losses | $300.00k |
| 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 | $27.35M |
| Total Liabilities and Capital | $1.96B |
Securities
| Securities | $413.60M |
| Available-for-sale debt securities | $413.60M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $242.00k |
| Trading Liabilities | $242.00k |
Frequently Asked Questions
What are the total assets of Citizens National Bank?
$1.96B as of the latest filing.
How much are Citizens National Bank's total deposits?
$1.75B in total deposits.
Where is Citizens National Bank located?
Sevierville, TN.
What is the Net Interest Margin?
3.59%.
How many domestic offices does it operate?
23.
When was it established?
02/05/1973.
What is the Return on Assets (ROA)?
2.32%.
How much are total loans and leases?
$1.28B (latest filing).
What is the total interest income (latest filing)?
$24.93M.