Citizens Bank

BankElizabethton, Tennessee
www.citizensbank24.com

Total Assets

$1.3B

Total Deposits

$1.1B

Branches

14

Established

1934

TFS Health Grade

$
B-

80.1 / 100

Good financial health

How we grade

Citizens Bank is a bank headquartered in Elizabethton, Tennessee, established in 1934. With $1.3B in total assets and 14 branch locations, it has a TFS Financial Health Grade of B- (80.1/100).

Capital & Safety

Tier 1 Capital Ratio
12.68%(8%)
Total Capital Ratio
15.38%(10%)
Non-Performing Loan Ratio
0.90%

Profitability

Return on Assets (ROA)
1.83%(1%)
Return on Equity (ROE)
14.02%(10%)
Net Interest Margin
4.25%
Efficiency Ratio
59.67%(60%)

Lending & Liquidity

Total Loans
$1.1B
Loan-to-Deposit Ratio
92.47%
Net Charge-Off Ratio
0.26%

Growth

Asset Growth (YoY)
+6.33%
Deposit Growth (YoY)
+5.26%
Net Income
$24.1M

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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