Citizens National Bank

BankSevierville, Tennessee
www.cnbtn.com

Total Assets

$2.0B

Total Deposits

$1.7B

Branches

23

Established

1973

TFS Health Grade

$
B-

81.5 / 100

Good financial health

How we grade

Citizens National Bank is a bank headquartered in Sevierville, Tennessee, established in 1973. With $2.0B in total assets and 23 branch locations, it has a TFS Financial Health Grade of B- (81.5/100).

Capital & Safety

Tier 1 Capital Ratio
10.84%(8%)
Total Capital Ratio
16.22%(10%)
Non-Performing Loan Ratio
0.01%

Profitability

Return on Assets (ROA)
1.86%(1%)
Return on Equity (ROE)
21.13%(10%)
Net Interest Margin
3.36%
Efficiency Ratio
46.77%(60%)

Lending & Liquidity

Total Loans
$1.3B
Loan-to-Deposit Ratio
73.44%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+1.86%
Deposit Growth (YoY)
-0.33%
Net Income
$35.7M

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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