Citizens Community Bank

BankWinchester, Tennessee
www.ccbank.net

Total Assets

$365.0M

Total Deposits

$318.3M

Branches

4

Established

1992

TFS Health Grade

$
C

75.8 / 100

Average financial health

How we grade

Citizens Community Bank is a bank headquartered in Winchester, Tennessee, established in 1992. With $365.0M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C (75.8/100).

Capital & Safety

Tier 1 Capital Ratio
13.76%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.05%

Profitability

Return on Assets (ROA)
1.80%(1%)
Return on Equity (ROE)
15.70%(10%)
Net Interest Margin
4.14%
Efficiency Ratio
44.32%(60%)

Lending & Liquidity

Total Loans
$227.8M
Loan-to-Deposit Ratio
70.54%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+5.01%
Deposit Growth (YoY)
+3.87%
Net Income
$6.4M

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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Citizens Community Bank - Bank Review, Ratings & Financial Health | Health Grade: C | TheFinanceSection | TheFinanceSection