Citizens Tri-County Bank
Dunlap, Tennessee, Sequatchie County
$1.6B in total assets, the 704th largest of 4,309 US banks and 18th of 109 headquartered in Tennessee.
- FDIC certificate
- 20818
- Established
- 1972
- Owned by
- Sequatchie Valley Bancshares
- Primary regulator
- FDIC
- Website
- www.ctcbonline.com
At a glance
Compared with 27 banks headquartered in Tennessee with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.6B | 48% | $1.7B | |
| Loans | $1.1B | 41% | $1.1B | |
| Deposits | $1.5B | 52% | $1.4B | |
| Return on assets | 1.88% | 78% | 1.39% | |
| Net interest margin | 3.76% | 48% | 3.79% | |
| Efficiency ratio | 54.3% | 41% | 56.7% | |
| Equity to assets | 9.05% | 18% | 10.09% | |
| Loans to deposits | 73% | 26% | 82% |
Growth
Total assets grew 7.4% a year over the last 5 years and 8.6% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Aug 2016 | Franklin County United Bank Decherd, TN | $77M |
| Jul 2011 | Citizens Bank of Spencer, Tenn. Spencer, TN | $44M |
| Aug 2006 | First National Bank of Tullahoma Tullahoma, TN | $60M |
| May 1984 | Bledsoe County Bank Pikeville, TN | $5M |
Where they operate
24 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Sequatchie County, TN | $274M | 63.6% | 1 of 3 |
| Marion County, TN | $257M | 34.8% | 2 of 5 |
| Grundy County, TN | $189M | 100.0% | 1 of 1 |
| Hamilton County, TN | $157M | 1.2% | 12 of 23 |
| Warren County, TN | $152M | 11.0% | 4 of 8 |
| Coffee County, TN | $138M | 9.2% | 6 of 10 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (22 to 24, +9.1%). 3 opened, 2 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 22 | |||
| 2016 | Acquired Franklin County United BankOpened Morrison | 3 | 0 | +3 | 25 |
| 2017 | Opened Signal Mountain | 1 | 0 | +1 | 26 |
| 2020 | Closed Tullahoma | 0 | 1 | −1 | 25 |
| 2024 | Closed Signal Mountain and Tullahoma | 0 | 2 | −2 | 23 |
| 2025 | Opened Manchester | 1 | 0 | +1 | 24 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 30% | 33% | |
| Commercial real estate | 24% | 31% | |
| Construction and land | 22% | 11% | |
| Consumer | 8% | 6% | |
| Business (C&I) | 6% | 10% | |
| Farmland | 3% | 2% | |
| Multifamily | 2% | 4% | |
| Other | 7% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 49% | 49% | |
| Time deposits | 32% | 34% | |
| Noninterest-bearing | 19% | 17% |
Brokered deposits are 0.0% of deposits (peers 7.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.75% | 0.28% |
| Net charge-offs, annualized | 0.05% | 0.03% |
| Reserves to loans | 1.61% | 1.10% |
| Leverage ratio | 9.34% | 10.20% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Tennessee
Largest competitors in Sequatchie County, TN
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/citizens-tri-county