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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 10319 · TN C · 52/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (52/100)
  • BOTTOM-DECILE #4089/4307
  • PHOTO-FINISH Caldwell Bank & Trus… · LA
  • TIER1-WELL 14.4% Tier 1
  • TEXAS-HEALTHY 26.0% Texas
  • ROA-THIN 0.16% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: Caldwell Bank & Trust Company, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Savings Bank and Trust Compa…

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Caldwell Bank & Trus… · LA ·…52/100Citizens Savings Ban… · TN ·…52/100First State Bank of… · TX · …52/100Magnolia Bank, Incor… · KY ·…52/100Union State Bank of… · ND · …52/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Savings Bank and Trust Compa… · July 2026

What Citizens Savings Bank and Trust Compa…'s Call Report plate shows

Citizens Savings Bank and Trust Company (FDIC Cert #10319) carries a PlainBankData health grade of C at 52/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,089 of 4,307. Tier 1 capital prints at 14.41%, clearing the 10% well-capitalized line. The Texas Ratio is 26.02%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.16%. Balance-sheet scale is $183M, 3,133rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Caldwell Bank & Trust Company (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Savings Bank and Trust Compa…

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

Citizens Savings Bank and Trust Company's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Citizens Savings Bank and Trust Company remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

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.

0/100100/100National avg77/10052/100
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 Assets

$183M

Total balance-sheet footings

Total Deposits

$165M

Customer-funded liabilities

Net Loans

$157M

Outstanding loan book

Net Income

$300K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.01% 14.41% 15.81%
Basel III capital ratios - Citizens Savings Bank and Trust Company

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

52 5th percentile higher than 5% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens Savings Bank and Trust Compa… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Citizens Savings Bank and Trust Compa…

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

What these ratios mean →

Profitability metrics: Citizens Savings Bank and Trust Compa…

Return on Assets (ROA)
7th percentile nationally
0.16%
Return on Equity (ROE)
1.74%
Efficiency Ratio
88.54%

What these mean →

Income & expense at Citizens Savings Bank and Trust Compa…

$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.

FDIC Failed Bank List → View Citizens Savings Bank and Trust Company on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($183M here), outside Tennessee so the neighborhood is not state containment.

BankMiami $183M · FL The Home National Bank of Thorntown $183M · IN The Farmers Bank $184M · GA Texas Advantage Community Bank $184M · TX

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.

Citizens Savings Bank and Trust Company Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
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%