B
Citizens National Bank
Rating Date
August 2026
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 7.70
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 7.60
Stability Index 6.30
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 3.44%
5-Year Asset Growth 10.67%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.28%
Non-Performing Loans to Loans 0.01%
Balance Sheet Citizens National Bank
Sevierville, TN
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Total Assets 1.96B
Total Deposits 1.74B
Capital and Reserves Citizens National Bank
Sevierville, TN
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Capital 192.19M
Leverage Ratio 11.17
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio 16.27
Liquidity Citizens National Bank
Sevierville, TN
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Hot Money Ratio 17.08%
Liquidity Ratio 19.86%
Profitability Citizens National Bank
Sevierville, TN
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5-Year Return on Average Assets 1.70%
Net Income 19.65M
Net Interest Spread 3.44%
Operating Profit to Average Assets 2.07%
Overhead Efficiency Ratio 42.73%
Return on Assets 2.00%
Return on Equity 20.83%