Citizens Bank

BankCarthage, Tennessee
www.citzcar.com

Total Assets

$831.2M

Total Deposits

$713.4M

Branches

7

Established

1929

TFS Health Grade

$
C

73.2 / 100

Average financial health

How we grade

Citizens Bank is a bank headquartered in Carthage, Tennessee, established in 1929. With $831.2M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (73.2/100).

Capital & Safety

Tier 1 Capital Ratio
16.67%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.51%

Profitability

Return on Assets (ROA)
1.88%(1%)
Return on Equity (ROE)
14.88%(10%)
Net Interest Margin
3.54%
Efficiency Ratio
34.03%(60%)

Lending & Liquidity

Total Loans
$451.8M
Loan-to-Deposit Ratio
62.56%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+5.73%
Deposit Growth (YoY)
+4.87%
Net Income
$15.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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