Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	01/04/1904
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	37208
State and County Number	47037
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	20
Domestic Offices	2
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.bankcbn.com
Data Updated	01/30/2026
CERT	10319
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$183.37M
Total Deposits	$164.80M
Total Liabilities	$165.82M
Total Equity Capital	$17.55M
Net Income	$67.00k
Net Loans and Leases	$157.17M
Assets Per Employee ($Millions)	$8.34M
Bank Premises and Fixed Assets	$142.00k
Cash and Balances due from Depository Institutions	$15.54M
Deposits Held in Domestic Offices	$164.80M

Return on Assets (ROA)	0.14%
Return on Equity (ROE)	1.53%
Net Interest Margin	3.81%
Efficiency Ratio	82.15%
Tier 1 Risk-Based Capital Ratio	14.532%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.55%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	9.572%
Earning Assets to total Assets	97.23%

Total Interest Income	$2.94M
Total Noninterest Income	$138.00k
Total Interest Expense	$1.22M
Total Noninterest Expense	$1.53M
Net Interest Income	$1.72M
Pre-tax Net Operating Income	$75.00k
Provision for Credit Losses	$257.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	—
Other Real Estate Owned	$998.00k
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$1.02M
Total Liabilities and Capital	$183.37M

Securities	$6.83M
Available-for-sale debt securities	$6.83M
Equity securities with readily determinable fair values not held for trading	—
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Citizens Savings Bank and Trust Company?

$183.37M as of the latest filing.

How much are Citizens Savings Bank and Trust Company's total deposits?

$164.80M in total deposits.

Where is Citizens Savings Bank and Trust Company located?

Nashville, TN.

What is the Net Interest Margin?

3.81%.

How many domestic offices does it operate?

When was it established?

01/04/1904.

What is the Return on Assets (ROA)?

0.14%.

How much are total loans and leases?

$157.17M (latest filing).

What is the total interest income (latest filing)?

$2.94M.