D
Citizens Savings Bank and Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
16.04
Leverage
Ratio
9.57
Return On
Assets
0.16%
Total
Assets
183.37M
Capital
17.55M
Total
Deposits
164.80M
Net
Income
300.00K
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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 7.90
Liquidity Index 0.10
Profitability Index 1.30
Stability Index 4.30
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 1.42%
5-Year Asset Growth 12.87%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.39%
Non-Performing Assets to Assets 4.48%
Non-Performing Loans to Capital 31.41%
Non-Performing Loans to Loans 4.54%
Balance Sheet Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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Total Assets 183.37M
Total Deposits 164.80M
Capital and Reserves Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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Capital 17.55M
Leverage Ratio 9.57
Loan Loss Reserves to Loans 1.09%
Risk-Based Capital Ratio 16.04
Liquidity Citizens Savings Bank and Trust Company
Nashville, TN 		Click to
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Hot Money Ratio 57.75%
Liquidity Ratio 11.19%
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 300.00K
Net Interest Spread 3.41%
Operating Profit to Average Assets 0.23%
Overhead Efficiency Ratio 88.54%
Return on Assets 0.16%
Return on Equity 1.74%