Citizens Savings Bank and Trust Company

BankNashville, Tennessee
www.bankcbn.com

Total Assets

$183.4M

Total Deposits

$164.8M

Branches

2

Established

1904

TFS Health Grade

$
D-

62.1 / 100

Below average financial health

How we grade

Citizens Savings Bank and Trust Company is a bank headquartered in Nashville, Tennessee, established in 1904. With $183.4M in total assets and 2 branch locations, it has a TFS Financial Health Grade of D- (62.1/100).

Capital & Safety

Tier 1 Capital Ratio
9.57%(8%)
Total Capital Ratio
16.04%(10%)
Non-Performing Loan Ratio
3.16%

Profitability

Return on Assets (ROA)
0.16%(1%)
Return on Equity (ROE)
1.74%(10%)
Net Interest Margin
3.42%
Efficiency Ratio
88.54%(60%)

Lending & Liquidity

Total Loans
$158.9M
Loan-to-Deposit Ratio
95.37%
Net Charge-Off Ratio
0.39%

Growth

Asset Growth (YoY)
+1.42%
Deposit Growth (YoY)
+1.18%
Net Income
$300.0K

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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