Total Assets
$183M
Total balance-sheet footings
FDIC Cert #10319 · Nashville, Tennessee · Est. 1904
Citizens Savings Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at Citizens Savings Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $183M
- Total assets
- C
- Health grade · Fair
- 0.16%
- Return on assets
- 14.4%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Savings Bank and Trust Company earns a PlainBankData health grade of C (52/100), with well-capitalized at 14.41% Tier 1, 0.16% ROA, 89% efficiency ratio.
- #3,133
- largest of 4,313 FDIC banks by assets
- 27th
- percentile by asset size, nationally
- 14.41%
- Tier 1 ratio - above the 10% well-capitalized line
- 7th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Citizens Savings Bank and Trust Company's 52/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Savings Bank and Trust Company's composite health score
Tier 1 Capital Ratio (14.41%) 35/40
Return on Assets (ROA) (0.16%) 7/25
Texas Ratio (26.02%) 10/20
Efficiency Ratio (88.54%) 0/15
52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$165M
Customer-funded liabilities
Net Loans
$157M
Outstanding loan book
Net Income
$300K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Savings Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Savings Bank and Trust Company's score of 52/100 falls in the highlighted band.
Citizens Savings Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Savings Bank and Trust Company's $183M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.41%
Texas Ratio
26.02%
Equity Capital
$18M
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.16%
Return on Equity (ROE)
1.74%
Efficiency Ratio
88.54%
What the numbers say about Citizens Savings Bank and Trust Company
Citizens Savings Bank and Trust Company is an FDIC-insured institution (Certificate #10319) headquartered in Nashville, Tennessee, established in 1904. It holds $183M in total assets - 3,133rd of 4,313 FDIC-insured banks, $165M in customer deposits, and $157M in net loans. Capital-wise, the Tier 1 ratio sits at 14.41%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 26.02%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (52 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens Savings Bank and Trust Company sits 93rd of 111 banks headquartered in Tennessee by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$11M
Interest Income
$672K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Savings Bank and Trust Company reports a Texas Ratio of 26.02% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
26.02% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Savings Bank and Trust Company (FDIC Cert #10319) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
Frequently asked questions
What is Citizens Savings Bank and Trust Company's health grade?▼
Citizens Savings Bank and Trust Company receives a health grade of C (52/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Citizens Savings Bank and Trust Company?▼
Citizens Savings Bank and Trust Company holds $183M in total assets and $165M in deposits, ranking 3,133rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Nashville, Tennessee.
Is my money safe at Citizens Savings Bank and Trust Company?▼
Yes, deposits at Citizens Savings Bank and Trust Company (Certificate #10319) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Savings Bank and Trust Company's Tier 1 Capital Ratio?▼
Citizens Savings Bank and Trust Company has a Tier 1 Capital Ratio of 14.41%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens Savings Bank and Trust Company?▼
Citizens Savings Bank and Trust Company has a Texas Ratio of 26.02%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Savings Bank and Trust Company?▼
Citizens Savings Bank and Trust Company has an Efficiency Ratio of 88.54%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Savings Bank and Trust Company's profile as a depositor or analyst.
- Citizens Savings Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Savings Bank and Trust Company against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.