B
Citizens Community Bank
Rating Date
August 2026
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 8.70
Capitalization Index 10.00
Liquidity Index 2.60
Profitability Index 9.40
Stability Index 5.70
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 0.00%
5-Year Asset Growth 6.39%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 1.56%
Non-Performing Loans to Loans 0.03%
Balance Sheet Citizens Community Bank
Winchester, TN
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Total Assets 352.62M
Total Deposits 303.18M
Capital and Reserves Citizens Community Bank
Winchester, TN
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Capital 45.16M
Leverage Ratio 14.58
Loan Loss Reserves to Loans 1.41%
Risk-Based Capital Ratio --
Liquidity Citizens Community Bank
Winchester, TN
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Hot Money Ratio 23.03%
Liquidity Ratio 20.71%
Profitability Citizens Community Bank
Winchester, TN
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5-Year Return on Average Assets 1.70%
Net Income 3.21M
Net Interest Spread 4.19%
Operating Profit to Average Assets 2.42%
Overhead Efficiency Ratio 39.82%
Return on Assets 1.81%
Return on Equity 14.54%