C
Citizens Bank
Rating Date
August 2026
Risk Based
Capital Ratio
15.01
Leverage
Ratio
12.65
Return On
Assets
2.12%
Total
Assets
1.42B
Capital
181.74M
Total
Deposits
1.19B
Net
Income
13.50M
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Weiss Ratings Citizens Bank
Elizabethton, TN 		Click to
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Rating C
Asset Quality Index 4.90
Capitalization Index 10.00
Liquidity Index 1.50
Profitability Index 8.80
Stability Index 10.00
Company Info Citizens Bank
Elizabethton, TN 		Click to
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FDIC Number 14851
Phone Number (423) 543-2265
Website www.citizensbank24.com
Asset Quality Citizens Bank
Elizabethton, TN 		Click to
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1-Year Asset Growth 7.51%
5-Year Asset Growth 5.50%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.46%
Non-Performing Assets to Assets 0.70%
Non-Performing Loans to Capital 6.09%
Non-Performing Loans to Loans 0.99%
Balance Sheet Citizens Bank
Elizabethton, TN 		Click to
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Total Assets 1.42B
Total Deposits 1.19B
Capital and Reserves Citizens Bank
Elizabethton, TN 		Click to
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Capital 181.74M
Leverage Ratio 12.65
Loan Loss Reserves to Loans 0.90%
Risk-Based Capital Ratio 15.01
Liquidity Citizens Bank
Elizabethton, TN 		Click to
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Hot Money Ratio 26.35%
Liquidity Ratio 10.65%
Profitability Citizens Bank
Elizabethton, TN 		Click to
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5-Year Return on Average Assets 2.23%
Net Income 13.50M
Net Interest Spread 4.46%
Operating Profit to Average Assets 2.19%
Overhead Efficiency Ratio 55.80%
Return on Assets 2.12%
Return on Equity 16.80%