Citizens Tri-County Bank is a state-chartered bank headquartered in Dunlap, Tennessee, in business for about 54 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.5B in deposits, with 24 offices.
Citizens Tri-County Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 56th. Earnings contributes the most (94/100, 1.85%); capital cushion contributes the least (43/100, 9.34%).
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 (70 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 71 |
| Q4 2024 | 70 |
| Q1 2025 | 70 |
| Q2 2025 | 70 |
| Q3 2025 | 73 |
| Q4 2025 | 72 |
| Q1 2026 | 71 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.33% |
| Q3 2024 | 9.40% |
| Q4 2024 | 9.15% |
| Q1 2025 | 9.21% |
| Q2 2025 | 9.04% |
| Q3 2025 | 9.51% |
| Q4 2025 | 9.05% |
| Q1 2026 | 9.13% |
| Q2 2026 | 9.34% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.72% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.48% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.75% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.64% |
| Q3 2024 | 1.69% |
| Q4 2024 | 1.74% |
| Q1 2025 | 1.67% |
| Q2 2025 | 1.79% |
| Q3 2025 | 1.82% |
| Q4 2025 | 1.85% |
| Q1 2026 | 1.82% |
| Q2 2026 | 1.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $1.6B | 9.34% | 0.75% | 1.85% | 71.6% |
| Q1 2026 | 71 | $1.7B | 9.13% | 0.64% | 1.82% | 69.9% |
| Q4 2025 | 72 | $1.6B | 9.05% | 0.48% | 1.85% | 73.3% |
| Q3 2025 | 73 | $1.5B | 9.51% | 0.51% | 1.82% | 71.3% |
| Q2 2025 | 70 | $1.6B | 9.04% | 0.74% | 1.79% | 68.3% |
| Q1 2025 | 70 | $1.5B | 9.21% | 0.72% | 1.67% | 67.0% |
| Q4 2024 | 70 | $1.5B | 9.15% | 0.66% | 1.74% | 68.2% |
| Q3 2024 | 71 | $1.5B | 9.40% | 0.64% | 1.69% | 68.7% |
| Q2 2024 | 69 | $1.4B | 9.33% | 0.73% | 1.64% | 67.9% |
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 |
|---|---|---|---|---|---|
| One Bank of TennesseeBank Cookeville, TN | 79 out of 100, Strong | $1.7B | 9.1% | 0.01% | vs |
| Security Bank and Trust CompanyBank Paris, TN | 79 out of 100, Strong | $1.7B | 10.9% | 0.02% | vs |
| First Farmers and Merchants BankBank Columbia, TN | 79 out of 100, Strong | $1.8B | 11.2% | 0.12% | vs |
| First National Bank of PulaskiBank Pulaski, TN | 77 out of 100, Strong | $1.5B | 11.3% | 0.24% | vs |
| Apex BankBank Camden, TN | 66 out of 100, Moderate | $1.5B | 14.5% | 2.49% | vs |
| Wellworth BankBank Lafayette, TN | 60 out of 100, Moderate | $1.8B | 9.9% | 1.39% | vs |
Deposit insurance
Is my money safe at Citizens Tri-County Bank?
Yes. Citizens Tri-County Bank is an FDIC-insured institution (FDIC certificate #20818). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.3% of deposits ($403.6M) 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 9.34%, 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%).
24 locations
Branches
Citizens Tri-County Bank lists 20 offices in 18 cities. Most locations:
- Mcminnville, TN (2)
- Tracy City, TN (2)
- Altamont, TN (1)
- Cowan, TN (1)
- Decherd, TN (1)
- Dunlap, TN (1)
- Jasper, TN (1)
- Manchester, TN (1)
- Monteagle, TN (1)
- Morrison, TN (1)
- Palmer, TN (1)
- Pikeville, TN (1)
HMDA 2025
Mortgage lending
In 2025, Citizens Tri-County Bank reported 747 home-loan applications under HMDA (LEI 549300RUFHC5ZQDL8J10): 562 originated ($121,270,000 total), 77 denied, and 68 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.3%, 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 Tri-County Bank
- Former names
- Citizens Bank of Dunlap and Pikeville; Citizens Bank of Dunlap
- Type
- State-chartered bank
- FDIC certificate #
- 20818
- RSSD ID
- 162337
- Primary regulator
- FDIC
- Holding company
- Sequatchie Valley Bancshares
- Established
- October 2, 1972
- Headquarters
- 15699 Rankin Ave, Dunlap, TN 37327
- Website
- www.ctcbonline.com
- Employees
- 301
Quick answers
Citizens Tri-County Bank: common questions
Is Citizens Tri-County Bank FDIC insured?
Yes. Citizens Tri-County Bank is an FDIC-insured institution (FDIC certificate #20818). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Tri-County Bank's TellerScore?
70 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 Tri-County Bank ever failed?
There is no failure record for FDIC certificate #20818 in the FDIC failed bank list.
How many branches does Citizens Tri-County Bank have?
24 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Dunlap
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN | 84 out of 100, Strong | $3.3B | 14.8% | 0.77% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |
| Comtrust Federal Credit UnionCredit union Chattanooga, TN | 74 out of 100, Strong | $429.7M | 11.4% | 0.41% | vs |
| Builtwell BankBank Chattanooga, TN | 73 out of 100, Strong | $2.3B | 9.7% | 0.57% | vs |
| The Park National BankBank Newark, OH | 72 out of 100, Strong | $12.6B | 10.3% | 0.86% | vs |
| First Farmers & Commercial BankBank Pikeville, TN | 71 out of 100, Strong | $226.4M | 9.9% | 0.07% | vs |