Headquartered in Sevierville, Tennessee, Citizens National Bank is a national bank with $2.0B in total assets and $1.7B in deposits as of Q2 2026. It operates 21 offices. Its charter dates back to 1973.
Based on its Q2 2026 filing, Citizens National Bank scores 82/100, which we describe as strong. That is higher than 93% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 14th. Its strongest component is earnings (100/100; 2.00%), and its lowest is funding & liquidity (58/100; 75% loans-to-deposits, 39% 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 4 points (78 → 82), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 76 |
| Q4 2024 | 76 |
| Q1 2025 | 76 |
| Q2 2025 | 78 |
| Q3 2025 | 78 |
| Q4 2025 | 80 |
| Q1 2026 | 81 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.44% |
| Q3 2024 | 10.23% |
| Q4 2024 | 10.03% |
| Q1 2025 | 10.11% |
| Q2 2025 | 10.52% |
| Q3 2025 | 10.58% |
| Q4 2025 | 10.84% |
| Q1 2026 | 10.78% |
| Q2 2026 | 11.17% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.04% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.32% |
| Q3 2024 | 1.42% |
| Q4 2024 | 1.52% |
| Q1 2025 | 1.53% |
| Q2 2025 | 1.68% |
| Q3 2025 | 1.71% |
| Q4 2025 | 1.86% |
| Q1 2026 | 1.94% |
| Q2 2026 | 2.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $2.0B | 11.17% | 0.04% | 2.00% | 75.5% |
| Q1 2026 | 81 | $2.0B | 10.78% | 0.03% | 1.94% | 75.3% |
| Q4 2025 | 80 | $2.0B | 10.84% | 0.01% | 1.86% | 73.4% |
| Q3 2025 | 78 | $1.9B | 10.58% | 0.05% | 1.71% | 75.9% |
| Q2 2025 | 78 | $1.9B | 10.52% | 0.03% | 1.68% | 74.2% |
| Q1 2025 | 76 | $1.9B | 10.11% | 0.01% | 1.53% | 72.8% |
| Q4 2024 | 76 | $1.9B | 10.03% | 0.01% | 1.52% | 69.5% |
| Q3 2024 | 76 | $1.9B | 10.23% | 0.00% | 1.42% | 70.5% |
| Q2 2024 | 73 | $1.7B | 10.44% | 0.00% | 1.32% | 81.7% |
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 |
|---|---|---|---|---|---|
| Independent BankBank Memphis, TN | 67 out of 100, Moderate | $1.9B | 10.6% | 0.85% | vs |
| Wellworth BankBank Lafayette, TN | 60 out of 100, Moderate | $1.8B | 9.9% | 1.39% | vs |
| First Farmers and Merchants BankBank Columbia, TN | 79 out of 100, Strong | $1.8B | 11.2% | 0.12% | vs |
| Security Bank and Trust CompanyBank Paris, TN | 79 out of 100, Strong | $1.7B | 10.9% | 0.02% | vs |
| One Bank of TennesseeBank Cookeville, TN | 79 out of 100, Strong | $1.7B | 9.1% | 0.01% | vs |
| Bank of TennesseeBank Kingsport, TN | 67 out of 100, Moderate | $2.3B | 9.6% | 0.45% | vs |
Deposit insurance
Is my money safe at Citizens National Bank?
Yes. Citizens National Bank is an FDIC-insured institution (FDIC certificate #20954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.8% of deposits ($675.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.27% (benchmark: 10%).
21 locations
Branches
Citizens National Bank lists 21 offices in 11 cities. Most locations:
- Sevierville, TN (6)
- Pigeon Forge, TN (3)
- Gatlinburg, TN (2)
- Kodak, TN (2)
- Seymour, TN (2)
- Athens, TN (1)
- Dandridge, TN (1)
- Jefferson City, TN (1)
- Knoxville, TN (1)
- Morristown, TN (1)
- White Pine, TN (1)
HMDA 2025
Mortgage lending
In 2025, Citizens National Bank reported 73 home-loan applications under HMDA (LEI 549300YL0TMLCEU0GW61): 65 originated ($27,285,000 total), 5 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.1%, 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 National Bank
- Type
- National bank
- FDIC certificate #
- 20954
- RSSD ID
- 717737
- Primary regulator
- OCC
- Holding company
- Cnb Bancshares Inc
- Established
- February 5, 1973
- Headquarters
- 200 Forks Of The River Pkwy, Sevierville, TN 37862
- Website
- www.cnbtn.com
- Employees
- 189
Quick answers
Citizens National Bank: common questions
Is Citizens National Bank FDIC insured?
Yes. Citizens National Bank is an FDIC-insured institution (FDIC certificate #20954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens National Bank's TellerScore?
82 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 National Bank ever failed?
There is no failure record for FDIC certificate #20954 in the FDIC failed bank list.
How many branches does Citizens National Bank have?
21 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sevierville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sevier County Schools Federal Credit UnionCredit union Sevierville, TN | 99 out of 100, Very strong | $13.9M | 21.8% | 0.09% | vs |
| Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN | 98 out of 100, Very strong | $36.6M | 20.2% | 0.08% | vs |
| New South Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $90.3M | 14.9% | 0.11% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Knox Co. Employees Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $12.5M | 18.8% | 0.04% | vs |
| Knox County Teachers Federal Credit UnionCredit union Knoxville, TN | 93 out of 100, Very strong | $34.4M | 15.5% | 0.01% | vs |