Citizens Bank is a state-chartered bank headquartered in Elizabethton, Tennessee, in business for about 92 years. At the end of Q2 2026 it reported $1.4B in total assets and $1.2B in deposits, with 14 offices.
Citizens Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 36th. Earnings contributes the most (98/100, 1.94%); funding & liquidity contributes the least (54/100, 95% loans-to-deposits, 25% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (77 → 75), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 82 |
| Q4 2024 | 79 |
| Q1 2025 | 79 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 76 |
| Q1 2026 | 74 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.76% |
| Q3 2024 | 13.76% |
| Q4 2024 | 13.45% |
| Q1 2025 | 13.33% |
| Q2 2025 | 13.11% |
| Q3 2025 | 13.11% |
| Q4 2025 | 12.68% |
| Q1 2026 | 12.73% |
| Q2 2026 | 12.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.71% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.90% |
| Q1 2026 | 1.05% |
| Q2 2026 | 1.14% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.74% |
| Q3 2024 | 1.80% |
| Q4 2024 | 1.72% |
| Q1 2025 | 1.60% |
| Q2 2025 | 1.58% |
| Q3 2025 | 1.73% |
| Q4 2025 | 1.83% |
| Q1 2026 | 1.83% |
| Q2 2026 | 1.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $1.4B | 12.65% | 1.14% | 1.94% | 94.9% |
| Q1 2026 | 74 | $1.4B | 12.73% | 1.05% | 1.83% | 95.4% |
| Q4 2025 | 76 | $1.3B | 12.68% | 0.90% | 1.83% | 92.5% |
| Q3 2025 | 78 | $1.3B | 13.11% | 0.83% | 1.73% | 91.5% |
| Q2 2025 | 77 | $1.3B | 13.11% | 0.82% | 1.58% | 92.0% |
| Q1 2025 | 79 | $1.3B | 13.33% | 0.66% | 1.60% | 90.4% |
| Q4 2024 | 79 | $1.3B | 13.45% | 0.71% | 1.72% | 91.5% |
| Q3 2024 | 82 | $1.2B | 13.76% | 0.60% | 1.80% | 96.8% |
| Q2 2024 | 82 | $1.2B | 13.76% | 0.56% | 1.74% | 96.0% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Apex BankBank Camden, TN | 66 out of 100, Moderate | $1.5B | 14.5% | 2.49% | vs |
| First National Bank of TennesseeBank Livingston, TN | 86 out of 100, Very strong | $1.4B | 11.6% | 0.28% | vs |
| Truxton Trust CompanyBank Nashville, TN | 79 out of 100, Strong | $1.4B | 9.3% | 0.02% | vs |
| First National Bank of PulaskiBank Pulaski, TN | 77 out of 100, Strong | $1.5B | 11.3% | 0.24% | vs |
| Studio BankBank Nashville, TN | 57 out of 100, Moderate | $1.3B | 9.5% | 1.03% | vs |
| Citizens Tri-County BankBank Dunlap, TN | 70 out of 100, Strong | $1.6B | 9.3% | 0.75% | vs |
Deposit insurance
Is my money safe at Citizens Bank?
Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #14851). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.8% of deposits ($296.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.01% (benchmark: 10%).
14 locations
Branches
Citizens Bank lists 13 offices in 8 cities. Most locations:
- Kingsport, TN (3)
- Bristol, TN (2)
- Elizabethton, TN (2)
- Knoxville, TN (2)
- Hampton, TN (1)
- Johnson City, TN (1)
- La Follette, TN (1)
- Lenoir City, TN (1)
HMDA 2025
Mortgage lending
In 2025, Citizens Bank reported 187 home-loan applications under HMDA (LEI 549300E035FX7XMJ6713): 173 originated ($102,665,000 total), 3 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Citizens Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14851
- RSSD ID
- 778738
- Primary regulator
- FDIC
- Holding company
- Citco Community Bancshares Inc
- Established
- November 3, 1934
- Headquarters
- 300 Broad St, Elizabethton, TN 37643
- Website
- www.citizensbank24.com
- Employees
- 237
Quick answers
Citizens Bank: common questions
Is Citizens Bank FDIC insured?
Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #14851). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank ever failed?
There is no failure record for FDIC certificate #14851 in the FDIC failed bank list.
How many branches does Citizens Bank have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elizabethton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Kingsport Press Credit UnionCredit union Kingsport, TN | 92 out of 100, Very strong | $95.6M | 16.4% | 0.40% | vs |
| Eastman Credit UnionCredit union Kingsport, TN | 91 out of 100, Very strong | $10.2B | 14.9% | 0.31% | vs |
| Farmers and Miners BankBank Pennington Gap, VA | 89 out of 100, Very strong | $193.2M | 13.3% | 0.32% | vs |
| Elizabethton Federal Savings BankBank Elizabethton, TN | 86 out of 100, Very strong | $326.0M | 42.3% | 0.25% | vs |
| Happy Valley Credit UnionCredit union Elizabethton, TN | 86 out of 100, Very strong | $36.9M | 18.3% | 0.82% | vs |