Citizens Tri-County Bank
Dunlap, TN
IDRSSD: 162337
Total Assets
$1.55B
Latest filing
Total Deposits
$1.39B
Latest filing
Net Interest Margin
3.85%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Tri-County Bank
15699 Rankin Ave
Dunlap, TN 37327
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/02/1972FDIC Certificate 14382
Branches (23)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Citizens Tri-County Bank (Main) | 15699 Rankin Ave | Dunlap, TN |
| WARREN BRANCH | 101 W Main St | Mcminnville, TN |
| BLEDSOE BRANCH | 3468 Main St | Pikeville, TN |
| ALTAMONT BRANCH | 1548 Main St | Altamont, TN |
| PALMER BRANCH | 711 Main St | Palmer, TN |
| TRACY CITY BRANCH | Oak And Colyar Streets | Tracy City, TN |
| MCMINNVILLE PLAZA BRANCH | 1100 New Smithville Hwy, Suite 700 | Mcminnville, TN |
| SOUTH DUNLAP MOTOR BRANCH | State Highway 28 And Us Highway 127 | Dunlap, TN |
Showing 7 of 23
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 | 10/02/1972 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37327 |
| State and County Number | 47153 |
| Subchapter S Corporations | Yes |
| Trust Powers | Limited 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 | Chattanooga, TN-GA |
Operational Info
| Number of Employees | 302 |
| Domestic Offices | 24 |
| 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 | 10/02/1972 |
| Primary Insurance Agency | DIF |
| Website | www.ctcbonline.com |
| Data Updated | 11/14/2025 |
| CERT | 20818 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.55B |
| Total Deposits | $1.39B |
| Total Liabilities | $1.41B |
| Total Equity Capital | $138.70M |
| Net Income | $7.25M |
| Net Loans and Leases | $993.21M |
| Assets Per Employee ($Millions) | $5.14M |
| Bank Premises and Fixed Assets | $13.82M |
| Cash and Balances due from Depository Institutions | $303.89M |
| Deposits Held in Domestic Offices | $1.39B |
Key Performance Ratios
| Return on Assets (ROA) | 1.87% |
| Return on Equity (ROE) | 21.72% |
| Net Interest Margin | 3.85% |
| Efficiency Ratio | 54.36% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.962% |
| Earning Assets to total Assets | 93.91% |
Income and Expense
| Total Interest Income | $22.91M |
| Total Noninterest Income | $2.19M |
| Total Interest Expense | $8.88M |
| Total Noninterest Expense | $8.85M |
| Net Interest Income | $14.03M |
| Pre-tax Net Operating Income | $7.27M |
| Provision for Credit Losses | $98.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $3.06M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $15.23M |
| Total Liabilities and Capital | $1.55B |
Securities
| Securities | $193.22M |
| Available-for-sale debt securities | $193.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Tri-County Bank?
$1.55B as of the latest filing.
How much are Citizens Tri-County Bank's total deposits?
$1.39B in total deposits.
Where is Citizens Tri-County Bank located?
Dunlap, TN.
What is the Net Interest Margin?
3.85%.
How many domestic offices does it operate?
24.
When was it established?
10/02/1972.
What is the Return on Assets (ROA)?
1.87%.
How much are total loans and leases?
$993.21M (latest filing).
What is the total interest income (latest filing)?
$22.91M.