B
Citizens National Bank
Rating Date
October 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 9.40
Liquidity Index 3.00
Profitability Index 6.70
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 2.74%
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 0.34%
Non-Performing Loans to Loans 0.02%
Balance Sheet Citizens National Bank
Sevierville, TN
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Total Assets 1.93B
Total Deposits 1.72B
Capital and Reserves Citizens National Bank
Sevierville, TN
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Capital 177.49M
Leverage Ratio 10.58
Loan Loss Reserves to Loans 1.14%
Risk-Based Capital Ratio 15.43
Liquidity Citizens National Bank
Sevierville, TN
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Hot Money Ratio 16.70%
Liquidity Ratio 18.62%
Profitability Citizens National Bank
Sevierville, TN
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5-Year Return on Average Assets 1.69%
Net Income 24.44M
Net Interest Spread 3.23%
Operating Profit to Average Assets 1.72%
Overhead Efficiency Ratio 48.43%
Return on Assets 1.69%
Return on Equity 19.81%