D
Citizens Savings Bank and Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
15.64
Leverage
Ratio
9.56
Return On
Assets
0.22%
Total
Assets
188.11M
Capital
17.59M
Total
Deposits
156.45M
Net
Income
206.00K
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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 1.80
Capitalization Index 7.80
Liquidity Index 0.10
Profitability Index 1.60
Stability Index 4.60
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 1.69%
5-Year Asset Growth 12.84%
5-Year Charge-Offs to Average Loans 0.21%
Charge-Offs to Average Loans 0.27%
Non-Performing Assets to Assets 4.30%
Non-Performing Loans to Capital 28.55%
Non-Performing Loans to Loans 4.20%
Balance Sheet Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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Total Assets 188.11M
Total Deposits 156.45M
Capital and Reserves Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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Capital 17.59M
Leverage Ratio 9.56
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio 15.64
Liquidity Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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Hot Money Ratio 53.72%
Liquidity Ratio 12.52%
Profitability Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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5-Year Return on Average Assets 0.23%
Net Income 206.00K
Net Interest Spread 3.55%
Operating Profit to Average Assets 0.33%
Overhead Efficiency Ratio 87.81%
Return on Assets 0.22%
Return on Equity 2.35%