First Citizens National Bank
Dyersburg, TN
IDRSSD: 133850
Total Assets
$2.65B
Latest filing
Total Deposits
$2.26B
Latest filing
Net Interest Margin
2.97%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
First Citizens National Bank
1 First Citizens Pl
Dyersburg, TN 38024
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1889FDIC Certificate 3314
Branches (24)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| First Citizens National Bank (Main) | 1 First Citizens Pl | Dyersburg, TN |
| TROY MAIN BRANCH | 531 E Bright St | Troy, TN |
| DRIVE-IN BRANCH | 117 S Church Ave | Dyersburg, TN |
| FIRST GREEN VILLAGE BRANCH | 710 Us Highway 51 Byp W | Dyersburg, TN |
| NEWBERN BRANCH | 104 N Monroe St | Newbern, TN |
| ATOKA BRANCH | 123 Atoka Munford Ave | Atoka, TN |
| MILLINGTON BRANCH | 8170 Us Highway 51 N | Millington, TN |
| BARTLETT BRANCH | 7580 Us Highway 70 | Bartlett, TN |
Showing 7 of 24
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
Home Federal Bank of Tennessee
Knoxville, Tennessee
→
Assets: $2.72BΔ +4.6%
Builtwell Bank
Chattanooga, Tennessee
→
Assets: $2.34BΔ -10.0%
Commercial Bank
Harrogate, Tennessee
→
Assets: $2.19BΔ -15.6%
Bank of Tennessee
Kingsport, Tennessee
→
Assets: $2.05BΔ -21.1%
Citizens National Bank
Sevierville, Tennessee
→
Assets: $1.93BΔ -25.8%
Mountain Commerce Bank
Knoxville, Tennessee
→
Assets: $1.80BΔ -30.6%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1889 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 38024 |
| State and County Number | 47045 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| 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 | Dyersburg, TN |
Operational Info
| Number of Employees | 296 |
| Domestic Offices | 25 |
| 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 | http://www.firstcnb.com |
| Data Updated | 01/30/2026 |
| CERT | 4972 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.65B |
| Total Deposits | $2.26B |
| Total Liabilities | $2.42B |
| Total Equity Capital | $233.28M |
| Net Income | $5.83M |
| Net Loans and Leases | $1.58B |
| Assets Per Employee ($Millions) | $8.78M |
| Bank Premises and Fixed Assets | $29.63M |
| Cash and Balances due from Depository Institutions | $158.95M |
| Deposits Held in Domestic Offices | $2.26B |
Key Performance Ratios
| Return on Assets (ROA) | 0.88% |
| Return on Equity (ROE) | 10.25% |
| Net Interest Margin | 2.97% |
| Efficiency Ratio | 67.42% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.722% |
| Earning Assets to total Assets | 92.77% |
Income and Expense
| Total Interest Income | $33.14M |
| Total Noninterest Income | $4.52M |
| Total Interest Expense | $15.05M |
| Total Noninterest Expense | $15.24M |
| Net Interest Income | $18.09M |
| Pre-tax Net Operating Income | $7.00M |
| Provision for Credit Losses | $360.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $21.27M |
| Other borrowed funds | $85.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $17.95M |
| Federal Funds Purchased and Repurchased Agreement | $50.00M |
| All Other Liabilities | $19.68M |
| Total Liabilities and Capital | $2.65B |
Securities
| Securities | $737.87M |
| Available-for-sale debt securities | $737.08M |
| 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 |
Frequently Asked Questions
What are the total assets of First Citizens National Bank?
$2.65B as of the latest filing.
How much are First Citizens National Bank's total deposits?
$2.26B in total deposits.
Where is First Citizens National Bank located?
Dyersburg, TN.
What is the Net Interest Margin?
2.97%.
How many domestic offices does it operate?
25.
When was it established?
01/01/1889.
What is the Return on Assets (ROA)?
0.88%.
How much are total loans and leases?
$1.58B (latest filing).
What is the total interest income (latest filing)?
$33.14M.