Citizens Savings Bank and Trust Company (FDIC certificate #10319) is based in Nashville, Tennessee. Its Q2 2026 call report shows $188.1M in total assets and $156.5M in deposits and 2 offices.
Based on its Q2 2026 filing, Citizens Savings Bank and Trust Company scores 32/100, which we describe as low. That is higher than only 1% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 109th. Its strongest component is capital cushion (46/100; 9.56%), and its lowest is loan quality (9/100; 2.72%).
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 (33 → 32).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 43 |
| Q3 2024 | 40 |
| Q4 2024 | 27 |
| Q1 2025 | 31 |
| Q2 2025 | 33 |
| Q3 2025 | 35 |
| Q4 2025 | 30 |
| Q1 2026 | 32 |
| Q2 2026 | 32 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.20% |
| Q3 2024 | 10.16% |
| Q4 2024 | 9.59% |
| Q1 2025 | 9.52% |
| Q2 2025 | 9.41% |
| Q3 2025 | 9.33% |
| Q4 2025 | 9.37% |
| Q1 2026 | 9.63% |
| Q2 2026 | 9.56% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.56% |
| Q3 2024 | 1.97% |
| Q4 2024 | 3.25% |
| Q1 2025 | 3.14% |
| Q2 2025 | 2.66% |
| Q3 2025 | 2.45% |
| Q4 2025 | 3.16% |
| Q1 2026 | 2.94% |
| Q2 2026 | 2.72% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.65% |
| Q3 2024 | -0.39% |
| Q4 2024 | -0.74% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 32 | $188.1M | 9.56% | 2.72% | 0.22% | 101.3% |
| Q1 2026 | 32 | $185.6M | 9.63% | 2.94% | 0.41% | 99.7% |
| Q4 2025 | 30 | $183.2M | 9.37% | 3.16% | 0.08% | 95.4% |
| Q3 2025 | 35 | $187.7M | 9.33% | 2.45% | 0.02% | 92.8% |
| Q2 2025 | 33 | $185.0M | 9.41% | 2.66% | 0.08% | 95.8% |
| Q1 2025 | 31 | $184.3M | 9.52% | 3.14% | 0.17% | 93.4% |
| Q4 2024 | 27 | $180.8M | 9.59% | 3.25% | -0.74% | 95.0% |
| Q3 2024 | 40 | $182.1M | 10.16% | 1.97% | -0.39% | 96.8% |
| Q2 2024 | 43 | $179.8M | 10.20% | 1.56% | -0.65% | 95.7% |
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 |
|---|---|---|---|---|---|
| Heritage Community BankBank Greeneville, TN | 71 out of 100, Strong | $184.4M | 10.3% | 0.03% | vs |
| UBankBank Knoxville, TN | 73 out of 100, Strong | $182.8M | 13.1% | 0.68% | vs |
| Putnam 1st Mercantile BankBank Cookeville, TN | 82 out of 100, Strong | $178.9M | 11.7% | 0.13% | vs |
| Lineage BankBank Franklin, TN | 67 out of 100, Moderate | $197.7M | 15.2% | 1.18% | vs |
| Greeneville Federal Bank, FSBBank Greeneville, TN | 68 out of 100, Moderate | $203.9M | 15.6% | 2.06% | vs |
| Peoples Bank & Trust CompanyBank Manchester, TN | 93 out of 100, Very strong | $168.6M | 14.7% | 0.02% | vs |
Deposit insurance
Is my money safe at Citizens Savings Bank and Trust Company?
Yes. Citizens Savings Bank and Trust Company is an FDIC-insured institution (FDIC certificate #10319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.8% of deposits ($45.1M) 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 9.56%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.65% (benchmark: 10%).
2 locations
Branches
Citizens Savings Bank and Trust Company lists 1 office in 1 city. Most locations:
- Nashville, TN (1)
HMDA 2025
Mortgage lending
In 2025, Citizens Savings Bank and Trust Company reported 101 home-loan applications under HMDA (LEI 2138005KH543RLMQHE28): 44 originated ($14,790,000 total), 49 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 52.7%, 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 Savings Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 10319
- RSSD ID
- 55635
- Primary regulator
- FDIC
- Holding company
- Csb&t Bcorp Inc
- Established
- January 4, 1904
- Headquarters
- 2013 Jefferson St, Nashville, TN 37208
- Website
- www.bankcbn.com
- Employees
- 21
Quick answers
Citizens Savings Bank and Trust Company: common questions
Is Citizens Savings Bank and Trust Company FDIC insured?
Yes. Citizens Savings Bank and Trust Company is an FDIC-insured institution (FDIC certificate #10319). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Savings Bank and Trust Company's TellerScore?
32 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Savings Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #10319 in the FDIC failed bank list.
How many branches does Citizens Savings Bank and Trust Company have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Nashville
| 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 |
| First South Financial Federal Credit UnionCredit union Bartlett, TN | 95 out of 100, Very strong | $844.8M | 30.2% | 0.22% | vs |
| The Farmers BankBank Portland, TN | 89 out of 100, Very strong | $942.8M | 15.1% | 0.53% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
| P.I.A.S. Credit UnionCredit union Brentwood, TN | 87 out of 100, Very strong | $4.2M | 17.4% | 0.00% | vs |
| First Freedom BankBank Lebanon, TN | 85 out of 100, Very strong | $817.8M | 12.5% | 0.01% | vs |