Citizens Savings Bank and Trust Company

Nashville, TN

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
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Total
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Capital

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Weiss Ratings	Citizens Savings Bank and Trust Company Nashville, TN	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	2.00
Capitalization Index	7.60
Liquidity Index	0.10
Profitability Index	1.10
Stability Index	3.90

Company Info	Citizens Savings Bank and Trust Company Nashville, TN	Click to Compare	Click to Compare	Click to Compare
FDIC Number	10319
Phone Number	(615) 327-9787
Website	www.bankcbn.com

Asset Quality	Citizens Savings Bank and Trust Company Nashville, TN	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	2.86%
5-Year Asset Growth	17.15%
5-Year Charge-Offs to Average Loans	0.15%
Charge-Offs to Average Loans	0.49%
Non-Performing Assets to Assets	3.89%
Non-Performing Loans to Capital	26.96%
Non-Performing Loans to Loans	3.71%

Balance Sheet	Citizens Savings Bank and Trust Company Nashville, TN	Click to Compare	Click to Compare	Click to Compare
Total Assets	184.99M
Total Deposits	166.38M

Capital and Reserves	Citizens Savings Bank and Trust Company Nashville, TN	Click to Compare	Click to Compare	Click to Compare
Capital	17.25M
Leverage Ratio	9.41
Loan Loss Reserves to Loans	1.03%
Risk-Based Capital Ratio	15.17

Liquidity	Citizens Savings Bank and Trust Company Nashville, TN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	58.87%
Liquidity Ratio	10.84%

Profitability	Citizens Savings Bank and Trust Company Nashville, TN	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.24%
Net Income	73.00K
Net Interest Spread	3.26%
Operating Profit to Average Assets	0.14%
Overhead Efficiency Ratio	94.59%
Return on Assets	0.08%
Return on Equity	0.85%