B
Citizens Community Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens Community Bank
Winchester, TN
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Rating B
Asset Quality Index 7.80
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 9.40
Stability Index 6.30
Company Info Citizens Community Bank
Winchester, TN
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FDIC Number 33739
Phone Number (931) 967-3342
Website www.ccbank.net
Asset Quality Citizens Community Bank
Winchester, TN
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1-Year Asset Growth 3.20%
5-Year Asset Growth 8.78%
5-Year Charge-Offs to Average Loans 0.17%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 0.59%
Non-Performing Loans to Loans 0.11%
Balance Sheet Citizens Community Bank
Winchester, TN
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Total Assets 355.78M
Total Deposits 308.16M
Capital and Reserves Citizens Community Bank
Winchester, TN
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Capital 43.13M
Leverage Ratio 13.93
Loan Loss Reserves to Loans 1.52%
Risk-Based Capital Ratio --
Liquidity Citizens Community Bank
Winchester, TN
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Hot Money Ratio 22.27%
Liquidity Ratio 23.48%
Profitability Citizens Community Bank
Winchester, TN
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5-Year Return on Average Assets 1.66%
Net Income 4.54M
Net Interest Spread 3.96%
Operating Profit to Average Assets 2.31%
Overhead Efficiency Ratio 45.12%
Return on Assets 1.73%
Return on Equity 15.18%