Citizens Bank
Elizabethton, TN · State Bank, Not a Federal Reserve Member · Part of CITCO COMMUNITY BANCSHARES INC
Summary
- Total assets: $1.4 billion
- Total deposits: $1.2 billion
- Total loans: $1.1 billion
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 15.0% |
| Multifamily | 8.3% |
| Owner-occupied commercial real estate | 23.5% |
| Non-owner-occupied commercial real estate | 27.3% |
| Residential | 17.3% |
| Commercial & industrial | 6.5% |
| Consumer & other | 2.2% |
Health indicators
- Tier 1 leverage ratio: 12.65%
- Total risk-based capital ratio: 15.01%
- Noncurrent loans: 1.14%
- Net charge-offs: 0.47%
- Return on assets: 1.94%
Local footprint
| County | Branches | Deposits |
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