B
Citizens National Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens National Bank
Sevierville, TN
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Rating B
Asset Quality Index 7.80
Capitalization Index 8.70
Liquidity Index 3.30
Profitability Index 6.20
Stability Index 8.80
Company Info Citizens National Bank
Sevierville, TN
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FDIC Number 20954
Phone Number (865) 453-9031
Website www.cnbtn.com
Asset Quality Citizens National Bank
Sevierville, TN
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1-Year Asset Growth 12.04%
5-Year Asset Growth 14.79%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.10%
Non-Performing Loans to Loans 0.02%
Balance Sheet Citizens National Bank
Sevierville, TN
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Total Assets 1.89B
Total Deposits 1.70B
Capital and Reserves Citizens National Bank
Sevierville, TN
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Capital 161.31M
Leverage Ratio 10.11
Loan Loss Reserves to Loans 1.11%
Risk-Based Capital Ratio 14.98
Liquidity Citizens National Bank
Sevierville, TN
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Hot Money Ratio 15.77%
Liquidity Ratio 20.36%
Profitability Citizens National Bank
Sevierville, TN
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5-Year Return on Average Assets 1.69%
Net Income 7.28M
Net Interest Spread 3.06%
Operating Profit to Average Assets 1.55%
Overhead Efficiency Ratio 51.31%
Return on Assets 1.51%
Return on Equity 18.72%