B
Citizens Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens Bank
Carthage, TN
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Rating B
Asset Quality Index 8.60
Capitalization Index 10.00
Liquidity Index 3.50
Profitability Index 8.80
Stability Index 7.00
Company Info Citizens Bank
Carthage, TN
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FDIC Number 893
Phone Number (615) 735-1490
Website www.citzcar.com
Asset Quality Citizens Bank
Carthage, TN
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1-Year Asset Growth 1.53%
5-Year Asset Growth 5.27%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.28%
Non-Performing Loans to Capital 1.78%
Non-Performing Loans to Loans 0.51%
Balance Sheet Citizens Bank
Carthage, TN
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Total Assets 800.29M
Total Deposits 702.74M
Capital and Reserves Citizens Bank
Carthage, TN
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Capital 93.02M
Leverage Ratio 16.15
Loan Loss Reserves to Loans 1.18%
Risk-Based Capital Ratio --
Liquidity Citizens Bank
Carthage, TN
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Hot Money Ratio 38.00%
Liquidity Ratio 41.99%
Profitability Citizens Bank
Carthage, TN
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5-Year Return on Average Assets 1.98%
Net Income 7.03M
Net Interest Spread 3.59%
Operating Profit to Average Assets 2.22%
Overhead Efficiency Ratio 31.06%
Return on Assets 1.70%
Return on Equity 14.62%