B
Citizens Community Bank
Rating Date
June 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 2.90
Profitability Index 9.00
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 4.46%
5-Year Asset Growth 8.78%
5-Year Charge-Offs to Average Loans 0.17%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 1.11%
Non-Performing Loans to Loans 0.06%
Balance Sheet Citizens Community Bank
Winchester, TN
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Total Assets 346.77M
Total Deposits 303.20M
Capital and Reserves Citizens Community Bank
Winchester, TN
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Capital 39.27M
Leverage Ratio 13.72
Loan Loss Reserves to Loans 1.56%
Risk-Based Capital Ratio --
Liquidity Citizens Community Bank
Winchester, TN
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Hot Money Ratio 22.07%
Liquidity Ratio 22.62%
Profitability Citizens Community Bank
Winchester, TN
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5-Year Return on Average Assets 1.66%
Net Income 1.61M
Net Interest Spread 3.85%
Operating Profit to Average Assets 2.23%
Overhead Efficiency Ratio 46.35%
Return on Assets 1.88%
Return on Equity 16.87%