Citizens Bank is a state-chartered bank headquartered in Carthage, Tennessee, in business for about 97 years. At the end of Q2 2026 it reported $832.5M in total assets and $716.0M in deposits, with 7 offices.
Based on its Q2 2026 filing, Citizens Bank scores 92/100, which we describe as very strong. That is higher than 97% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 2nd. Its strongest component is capital cushion (100/100; 16.29%), and its lowest is loan quality (79/100; 0.62%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (91 → 92).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 92 |
| Q3 2024 | 90 |
| Q4 2024 | 90 |
| Q1 2025 | 90 |
| Q2 2025 | 91 |
| Q3 2025 | 92 |
| Q4 2025 | 92 |
| Q1 2026 | 93 |
| Q2 2026 | 92 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.92% |
| Q3 2024 | 16.58% |
| Q4 2024 | 16.79% |
| Q1 2025 | 15.84% |
| Q2 2025 | 16.15% |
| Q3 2025 | 16.49% |
| Q4 2025 | 16.67% |
| Q1 2026 | 15.89% |
| Q2 2026 | 16.29% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.44% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.57% |
| Q3 2025 | 0.50% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.62% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.49% |
| Q3 2024 | 1.48% |
| Q4 2024 | 1.49% |
| Q1 2025 | 1.64% |
| Q2 2025 | 1.77% |
| Q3 2025 | 1.86% |
| Q4 2025 | 1.88% |
| Q1 2026 | 2.03% |
| Q2 2026 | 2.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $832.5M | 16.29% | 0.62% | 2.05% | 64.4% |
| Q1 2026 | 93 | $834.4M | 15.89% | 0.54% | 2.03% | 61.9% |
| Q4 2025 | 92 | $831.2M | 16.67% | 0.51% | 1.88% | 62.6% |
| Q3 2025 | 92 | $812.0M | 16.49% | 0.50% | 1.86% | 64.3% |
| Q2 2025 | 91 | $800.3M | 16.15% | 0.57% | 1.77% | 61.5% |
| Q1 2025 | 90 | $797.8M | 15.84% | 0.59% | 1.64% | 61.5% |
| Q4 2024 | 90 | $786.1M | 16.79% | 0.43% | 1.49% | 63.1% |
| Q3 2024 | 90 | $782.9M | 16.58% | 0.44% | 1.48% | 62.9% |
| Q2 2024 | 92 | $788.2M | 16.92% | 0.28% | 1.49% | 59.2% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| Macon Bank and Trust CompanyBank Lafayette, TN | 73 out of 100, Strong | $820.5M | 9.9% | 0.08% | vs |
| First Freedom BankBank Lebanon, TN | 85 out of 100, Very strong | $817.8M | 12.5% | 0.01% | vs |
| First Century BankBank Tazewell, TN | 73 out of 100, Strong | $809.8M | 9.4% | 0.07% | vs |
| Millennium BankBank Chattanooga, TN | 44 out of 100, Below average | $780.8M | 7.7% | 0.68% | vs |
| Paragon BankBank Memphis, TN | 62 out of 100, Moderate | $908.1M | 8.7% | 0.18% | vs |
| Legends BankBank Clarksville, TN | 71 out of 100, Strong | $927.7M | 10.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Citizens Bank?
Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #893). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.2% of deposits ($194.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
Citizens Bank lists 7 offices in 4 cities. Most locations:
- Carthage, TN (3)
- Sparta, TN (2)
- Cookeville, TN (1)
- Gordonsville, TN (1)
Identity & history
Profile
- Legal name
- Citizens Bank
- Former names
- Citizens Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 893
- RSSD ID
- 126834
- Primary regulator
- FDIC
- Established
- October 26, 1929
- Headquarters
- 407 Main St N, Carthage, TN 37030
- Website
- www.citzcar.com
- Employees
- 69
Quick answers
Citizens Bank: common questions
Is Citizens Bank FDIC insured?
Yes. Citizens Bank is an FDIC-insured institution (FDIC certificate #893). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank's TellerScore?
92 out of 100 (Very 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 #893 in the FDIC failed bank list.
How many branches does Citizens Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Carthage
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Freedom BankBank Lebanon, TN | 85 out of 100, Very strong | $817.8M | 12.5% | 0.01% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |
| Putnam 1st Mercantile BankBank Cookeville, TN | 82 out of 100, Strong | $178.9M | 11.7% | 0.13% | vs |
| One Bank of TennesseeBank Cookeville, TN | 79 out of 100, Strong | $1.7B | 9.1% | 0.01% | vs |
| Macon Bank and Trust CompanyBank Lafayette, TN | 73 out of 100, Strong | $820.5M | 9.9% | 0.08% | vs |
| Wilson Bank and TrustBank Lebanon, TN | 72 out of 100, Strong | $6.0B | 10.8% | 0.63% | vs |