D
Citizens Savings Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
15.78
Leverage
Ratio
9.41
Return On
Assets
0.17%
Total
Assets
187.82M
Capital
17.45M
Total
Deposits
168.83M
Net
Income
233.00K
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Weiss Ratings Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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Rating D
Asset Quality Index 2.20
Capitalization Index 7.60
Liquidity Index 0.10
Profitability Index 1.30
Stability Index 3.90
Company Info Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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FDIC Number 10319
Phone Number (615) 327-9787
Website www.bankcbn.com
Asset Quality Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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1-Year Asset Growth 3.14%
5-Year Asset Growth 17.15%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.36%
Non-Performing Assets to Assets 4.17%
Non-Performing Loans to Capital 20.20%
Non-Performing Loans to Loans 4.10%
Balance Sheet Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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Total Assets 187.82M
Total Deposits 168.83M
Capital and Reserves Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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Capital 17.45M
Leverage Ratio 9.41
Loan Loss Reserves to Loans 1.05%
Risk-Based Capital Ratio 15.78
Liquidity Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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Hot Money Ratio 58.73%
Liquidity Ratio 13.64%
Profitability Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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5-Year Return on Average Assets 0.24%
Net Income 233.00K
Net Interest Spread 3.27%
Operating Profit to Average Assets 0.25%
Overhead Efficiency Ratio 90.94%
Return on Assets 0.17%
Return on Equity 1.80%