Citizens Community Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.7. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.9 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (7.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (20%), home mtgs (17%), cash (15%), comm loans (12%), comm re (8%), consumer loans (2%), other (26%)
States with Branches:
TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Citizens Community Bancshares, Inc.
Investment Rating
--
Address
1418 Dinah Shore Boulevard
Winchester, TN 37398
Winchester, TN 37398
Phone Number
(931) 967-3342
Year Founded
1992
FDIC Number
Website
Largest Affiliates
No affiliate information available.