C
Citizens Bank
Rating Date
March 2026
Risk Based
Capital Ratio
15.38
Leverage
Ratio
12.68
Return On
Assets
2.01%
Total
Assets
1.35B
Capital
173.29M
Total
Deposits
1.14B
Net
Income
24.15M
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Weiss Ratings Citizens Bank
Elizabethton, TN 		Click to
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Rating C
Asset Quality Index 5.30
Capitalization Index 10.00
Liquidity Index 1.70
Profitability Index 8.90
Stability Index 5.00
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 6.33%
5-Year Asset Growth 5.50%
5-Year Charge-Offs to Average Loans 0.14%
Charge-Offs to Average Loans 0.26%
Non-Performing Assets to Assets 0.58%
Non-Performing Loans to Capital 4.88%
Non-Performing Loans to Loans 0.84%
Balance Sheet Citizens Bank
Elizabethton, TN 		Click to
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Total Assets 1.35B
Total Deposits 1.14B
Capital and Reserves Citizens Bank
Elizabethton, TN 		Click to
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Capital 173.29M
Leverage Ratio 12.68
Loan Loss Reserves to Loans 0.96%
Risk-Based Capital Ratio 15.38
Liquidity Citizens Bank
Elizabethton, TN 		Click to
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Hot Money Ratio 23.49%
Liquidity Ratio 12.42%
Profitability Citizens Bank
Elizabethton, TN 		Click to
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5-Year Return on Average Assets 2.18%
Net Income 24.15M
Net Interest Spread 4.29%
Operating Profit to Average Assets 2.07%
Overhead Efficiency Ratio 59.78%
Return on Assets 2.01%
Return on Equity 15.33%