C
Citizens Bank
Rating Date
October 2025
Risk Based
Capital Ratio
15.60
Leverage
Ratio
13.11
Return On
Assets
1.93%
Total
Assets
1.34B
Capital
175.28M
Total
Deposits
1.15B
Net
Income
17.03M
My Lists My Alerts
Weiss Ratings Citizens Bank
Elizabethton, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating C
Asset Quality Index 5.50
Capitalization Index 10.00
Liquidity Index 1.70
Profitability Index 8.80
Stability Index 5.00
Company Info Citizens Bank
Elizabethton, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 14851
Phone Number (423) 543-2265
Website www.citizensbank24.com
Asset Quality Citizens Bank
Elizabethton, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 9.25%
5-Year Asset Growth 9.49%
5-Year Charge-Offs to Average Loans 0.14%
Charge-Offs to Average Loans 0.27%
Non-Performing Assets to Assets 0.63%
Non-Performing Loans to Capital 4.22%
Non-Performing Loans to Loans 0.90%
Balance Sheet Citizens Bank
Elizabethton, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 1.34B
Total Deposits 1.15B
Capital and Reserves Citizens Bank
Elizabethton, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 175.28M
Leverage Ratio 13.11
Loan Loss Reserves to Loans 0.95%
Risk-Based Capital Ratio 15.60
Liquidity Citizens Bank
Elizabethton, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 22.64%
Liquidity Ratio 11.84%
Profitability Citizens Bank
Elizabethton, TN 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 2.18%
Net Income 17.03M
Net Interest Spread 4.22%
Operating Profit to Average Assets 1.99%
Overhead Efficiency Ratio 60.71%
Return on Assets 1.93%
Return on Equity 14.62%