Total Assets
$1.6B
Total balance-sheet footings
FDIC Cert #20818 · Dunlap, Tennessee · Est. 1972
Citizens Tri-County Bank - FDIC Bank Health Profile
A community-scale look at Citizens Tri-County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.6B
- Total assets
- B
- Health grade · Good
- 1.85%
- Return on assets
- 9.1%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Tri-County Bank earns a PlainBankData health grade of B (75/100), with 9.05% Tier 1 capital, profitable at 1.85% ROA, efficient (55% cost ratio).
- #703
- largest of 4,313 FDIC banks by assets
- 84th
- percentile by asset size, nationally
- 9.05%
- Tier 1 ratio - below the 10% well-capitalized line
- 87th
- 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 Tri-County Bank's 75/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Tri-County Bank's composite health score
Tier 1 Capital Ratio (9.05%) 18/40
Return on Assets (ROA) (1.85%) 25/25
Texas Ratio (3.40%) 20/20
Efficiency Ratio (54.60%) 12/15
75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.4B
Customer-funded liabilities
Net Loans
$1.1B
Outstanding loan book
Net Income
$29M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Tri-County Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Tri-County Bank's score of 75/100 falls in the highlighted band.
Citizens Tri-County Bank'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 Tri-County Bank's $1.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.05% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.05%
Texas Ratio
3.40%
Equity Capital
$134M
Profitability metrics
Return on Assets (ROA)
87th percentile nationally
1.85%
Return on Equity (ROE)
22.17%
Efficiency Ratio
54.60%
What the numbers say about Citizens Tri-County Bank
Citizens Tri-County Bank is an FDIC-insured institution (Certificate #20818) headquartered in Dunlap, Tennessee, established in 1972. It holds $1.6B in total assets - 703rd of 4,313 FDIC-insured banks, $1.4B in customer deposits, and $1.1B in net loans. Looking at capital strength, Tier 1 stands at 9.05%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.40%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (75/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Tennessee, Citizens Tri-County Bank ranks 18th of 111 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$90M
Interest Income
$9M
Non-Interest Income
$35M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Tri-County Bank reports a Texas Ratio of 3.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.40% - 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 Tri-County Bank (FDIC Cert #20818) - 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 Tri-County Bank's health grade?▼
Citizens Tri-County Bank receives a health grade of B (75/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Citizens Tri-County Bank?▼
Citizens Tri-County Bank holds $1.6B in total assets and $1.4B in deposits, ranking 703rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Dunlap, Tennessee.
Is my money safe at Citizens Tri-County Bank?▼
Yes, deposits at Citizens Tri-County Bank (Certificate #20818) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Tri-County Bank's Tier 1 Capital Ratio?▼
Citizens Tri-County Bank has a Tier 1 Capital Ratio of 9.05%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Citizens Tri-County Bank?▼
Citizens Tri-County Bank has a Texas Ratio of 3.40%. A ratio below 50% is generally considered 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 Tri-County Bank?▼
Citizens Tri-County Bank has an Efficiency Ratio of 54.60%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Tri-County Bank's profile as a depositor or analyst.
- Citizens Tri-County Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Tri-County Bank 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.