Citizens Community Bank (FDIC certificate #33739) is based in Winchester, Tennessee. Its Q2 2026 call report shows $352.6M in total assets and $303.2M in deposits and 4 offices.
Citizens Community Bank has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 3rd. Capital cushion contributes the most (96/100, 14.58%); funding & liquidity contributes the least (73/100, 74% loans-to-deposits, 28% 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 rose 2 points (88 → 90), mostly because the capital cushion component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 80 |
| Q4 2024 | 85 |
| Q1 2025 | 89 |
| Q2 2025 | 88 |
| Q3 2025 | 89 |
| Q4 2025 | 90 |
| Q1 2026 | 88 |
| Q2 2026 | 90 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.35% |
| Q3 2024 | 13.61% |
| Q4 2024 | 13.17% |
| Q1 2025 | 13.72% |
| Q2 2025 | 13.67% |
| Q3 2025 | 13.93% |
| Q4 2025 | 13.76% |
| Q1 2026 | 14.21% |
| Q2 2026 | 14.58% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.46% |
| Q2 2026 | 0.38% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.48% |
| Q3 2024 | 1.40% |
| Q4 2024 | 1.51% |
| Q1 2025 | 1.86% |
| Q2 2025 | 1.70% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.80% |
| Q1 2026 | 1.73% |
| Q2 2026 | 1.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $352.6M | 14.58% | 0.38% | 1.79% | 73.5% |
| Q1 2026 | 88 | $356.1M | 14.21% | 0.46% | 1.73% | 70.0% |
| Q4 2025 | 90 | $365.0M | 13.76% | 0.05% | 1.80% | 70.5% |
| Q3 2025 | 89 | $355.8M | 13.93% | 0.14% | 1.72% | 69.4% |
| Q2 2025 | 88 | $352.6M | 13.67% | 0.19% | 1.70% | 67.6% |
| Q1 2025 | 89 | $346.8M | 13.72% | 0.26% | 1.86% | 68.3% |
| Q4 2024 | 85 | $347.6M | 13.17% | 0.17% | 1.51% | 68.6% |
| Q3 2024 | 80 | $344.7M | 13.61% | 0.69% | 1.40% | 71.0% |
| Q2 2024 | 81 | $334.5M | 13.35% | 0.65% | 1.48% | 71.4% |
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 |
|---|---|---|---|---|---|
| Community BankBank Lexington, TN | 64 out of 100, Moderate | $357.5M | 10.6% | 0.71% | vs |
| The First National Bank of OneidaBank Oneida, TN | 82 out of 100, Strong | $367.8M | 11.0% | 0.27% | vs |
| Traditions First BankBank Erin, TN | 70 out of 100, Strong | $336.6M | 9.9% | 0.01% | vs |
| Tower Community BankBank Jasper, TN | 70 out of 100, Strong | $375.4M | 10.4% | 0.43% | vs |
| Elizabethton Federal Savings BankBank Elizabethton, TN | 86 out of 100, Very strong | $326.0M | 42.3% | 0.25% | vs |
| Decatur County BankBank Decaturville, TN | 59 out of 100, Moderate | $325.6M | 9.0% | 0.98% | vs |
Deposit insurance
Is my money safe at Citizens Community Bank?
Yes. Citizens Community Bank is an FDIC-insured institution (FDIC certificate #33739). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.6% of deposits ($83.7M) 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 14.58%, 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%).
4 locations
Branches
Citizens Community Bank lists 2 offices in 2 cities. Most locations:
- Huntland, TN (1)
- Winchester, TN (1)
Identity & history
Profile
- Legal name
- Citizens Community Bank
- Type
- State-chartered bank
- FDIC certificate #
- 33739
- RSSD ID
- 2002222
- Primary regulator
- FDIC
- Holding company
- Citizens Cmty Bancshares Inc
- Established
- November 19, 1992
- Headquarters
- 1418 Dinah Shore Blvd, Winchester, TN 37398
- Website
- www.ccbank.net
- Employees
- 42
Quick answers
Citizens Community Bank: common questions
Is Citizens Community Bank FDIC insured?
Yes. Citizens Community Bank is an FDIC-insured institution (FDIC certificate #33739). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Community Bank's TellerScore?
90 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 Community Bank ever failed?
There is no failure record for FDIC certificate #33739 in the FDIC failed bank list.
How many branches does Citizens Community Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Winchester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Bank & Trust CompanyBank Manchester, TN | 93 out of 100, Very strong | $168.6M | 14.7% | 0.02% | vs |
| First Jackson Bank, Inc.Bank Stevenson, AL | 93 out of 100, Very strong | $444.3M | 14.8% | 0.08% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |
| First Vision Bank of TennesseeBank Tullahoma, TN | 77 out of 100, Strong | $414.2M | 12.4% | 0.08% | vs |
| North Alabama Papermakers Federal Credit UnionCredit union Stevenson, AL | 77 out of 100, Strong | $2.2M | 25.5% | 0.00% | vs |