# CITIZENS TRI-COUNTY BANK
DUNLAP, TN · FDIC certificate 20818 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.64B | |
| Deposits | $1.48B | |
| Loans and leases | $1.07B | |
| Total equity | $148.5M | |
| Loans / deposits | 71.57% (p19 of band) | 87.10% |
| Liquid assets / assets | 32.08% (p79 of band) | |
| Uninsured deposits / deposits | 27.32% (p39 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.34% (p20 of band) | 10.50% |
| Unrealized securities loss / equity | -8.67% (p46 of band) | -7.75% |
| AOCI / equity | -0.45% (p39 of band) | |
| ROA (annualized) | 1.85% (p84 of band) | 1.26% |
| Net interest margin | 3.76% (p53 of band) | 3.70% |
| Efficiency ratio | 54.31% (p36 of band) | |
| Noncurrent loans | 0.75% (p64 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p56 of band) | |
| Reserve coverage of noncurrent | 215.51% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 157.32% (p98 of band) | |
| Auto loans | $18.1M (1.68% of loans; DQ 5.86%, NCO 0.02%) | |
| Loans to nondepository financials | $320,000 (0% of equity) (p73 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 301 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | construction >100% equity |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | noncurrent p90 |  |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 2 |  | noncurrent p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | noncurrent p90 | charge-offs p90 |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 2 |  | charge-offs p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2016-06 | 3 | noncurrent p90 | charge-offs p90 |
| 2016-09 | 1 |  | capital falling, noncurrent p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | noncurrent p90 |  |
| 2018-06 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2019-06 | 3 | noncurrent p90 |  |
| 2019-09 | 2 |  | noncurrent p90 |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 2 | charge-offs p90 | securities losses >30% of equity |
| 2024-03 | 2 | capital falling | charge-offs p90 |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-14 [3 Plus Your Community- Citizens Tri-County Bank - Local 3 News](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNZ284SWQtQ1JDRy1JeTJIRFFJZW1SSVJIV1l5R1BZVkZucU9DZUxnX3BaVDVBbHhqeHRrNExOMzdBMWxGSXNNRmFQd0NjZXlqRFYtVmZFckhHZ2Vva1BUaWRLNkV6NFJXdkotdU5uTE1ZVmdxaFZLLWpfSFI1Y2pEYnJpQ0lpMXQ0VzNEWWdHX0ZmUmtmaGhuT0VUcmlmUW1nMUhFRW9SeFBjOUdCUFZJTG5VNFY5VWdZVHk3UXlLbGhhdFlPY2p3emFMUy1HQ250czZ5MG01R1l6V2RhMDFleDZFNA?oc=5) · Local 3 News
- 2024-07-23 [Citizens Tri-County Bank Celebrating 30 Years in Whitwell - Sequatchie Valley Now](https://news.google.com/rss/articles/CBMilwFBVV95cUxQRnMwQ0RNTDE4QmxaXzQ3cHBxcC1PUldmYXhLUDg2eEZaeHZGaDZMZ0w3eEMtQmlGOXE1clc4YjI2WkowcmFZMDAxR2ZDWlVKU05SMmlyUFhQNDU5UDNLcjNwS2RDRXBnOHY2akNwdEJTWUhPSDlnaHlJS25uTUNmbDNxVUpMYzZ3UXhmVHJYOXhmdWRsTlVR0gGcAUFVX3lxTE1RalJycURldUJuSWVhYlgwTUI0SjV4NHQydzVELTBWVHF2TEpMNlc0WXcta3FZbG80TnpFTlN5R25vT2k1UExSYlFYRW9BanFYNi15REpSS21MVXdGZXQzQy1vckgzNnJ5TExkZnhzeHNTZUMyVS1RTlhGNmxZSmVGdXotTjYtaFRfeDhnSTRBM3dvbTIzMjRVekl2Rg?oc=5) · Sequatchie Valley Now
- 2016-04-05 [Dunlap, Tenn.-based Citizens Tri-County expands into Franklin County with bank purchase - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxNSmhueUN4bTZLaUpYVVN6dmhNbjg0XzdVR3o3RTdFNzFoclhjZnl5LVNjYXNhNG9sTDlXdlRRX0VJVnhNVWtaaVRIVUFDV3J6Y2UyRXpZMVlLZTg3U01wTk9LeWNWTk9TS1gtUmstblBETDNnNFR6d0pZb3lKNzFGeFdYT0MxekthZkhyX0M0Y2ctRDlfTXd0MjVCV0EzWEtJ?oc=5) · Chattanooga Times Free Press
- 2010-01-04 [Seeking Information on Robbery of Citizens Tri County Bank Branch in South Pittsburg - fbi.gov](https://news.google.com/rss/articles/CBMib0FVX3lxTE04bWxSX3NQS09jWHJhbjcwYnJWN1F3OVAzQllFbXdUMzFWSkwyV3dZYW1RTjNwWjFPUTk3RnF0cHhKN19kb3l5XzkxR0JKQk9YZG5kdjhaMzBjZTh3MjZoa3puM1YzbTdyLW9zOWlydw?oc=5) · fbi.gov
- 2023-12-29 [Tennessee bank damaged after ‘large amounts’ of Tannerite shot by rifle - WSMV](https://news.google.com/rss/articles/CBMioAFBVV95cUxOYjgzN1lqcjNSMW1uSDBoZDJjTE9salFVY0l1eVg0cGhpdjA5OFRTZFI1dmJ3eVJPNHNXZkREYkVpMHRXN0I4OFNGMXo1OGVNcVU3SXpBanU0NGNCV1JzQ3Z2dDdyM21TQjZuUG1qZVB3X3FGZlhMNzZfSmRoTmZCdi1namJ1QlQzZ0ZwV2kyVmE1ZW92M3ZOQ1VTV0xiV0h3?oc=5) · WSMV
- 2015-07-10 [Citizens Tri-County bank to buy McMinnville bank - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMimgFBVV95cUxOVnlCTzN0S0FNN3NOd01VSmJNclpacldUUHNwZHhyRUtJc3hoXzRydE1Sc21hS2VweGQtZkJmLUdReG83OW02Ump1M0RXVVN0RmZfdkNWTTJlRU80ajlSZ0F3NjlfVkJSTUdaak5TSEtNdjBpRHpmZ1pEemhUeVF6SEl3MXhOZDI2dmlkdFF2eGtSY1hxSHcyNTNR?oc=5) · Chattanooga Times Free Press
- 2026-07-07 [Coffee County Schools Releases Supply Lists for Upcoming School Year - Thunder Radio](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbk9KYm5PMzR2Q2QtR2hXQjB5enZxbnd0M0g0X3c1bXEwYUFFOV85NGZoNnlxZEZMVmhzWVJ2XzdPeVI4WV8xcHdfNk9JVnlxU1VVcVpCV2lRZEFiLVhRZTQxb3lObldFRmdlMmtUckJKVTNzQkNEZVpqSzNURnBkWVVXOVZRLVBSOEdHRTh0ZEg1dG9ZZVRiX9IBngFBVV95cUxPQmItbEU1d0Q0OE5TYjZ6WHdOb3VydzBFcU0zclZDZnFjYnhJNVBwSnQ2cWJSTGZUNGVOQjloV0NRQkZyR2ozWHNCdkVKQnkybXlxNnQ5STlsa0FwR1Q3cU0wS2FCaXBSbHFYN3FhSFFxd0RqVGxpT0tBejNhSjdIaWx4cU91Z3ZYYkxfdEl2d2NuempOVWpfdDJFaWZKdw?oc=5) · Thunder Radio
- 2026-08-23 [Deborah Lynn Christian Obituary | Whitwell Memorial Funeral Home, Inc. | Whitwell, TN - Tribute Archive](https://news.google.com/rss/articles/CBMifkFVX3lxTE5GbFdNYzgxVzZIRHNWV21qY3YwUXVyS0ljNGhrem1kM1FISllFcUVMdHhXN2dOUXJ0SG91b05LTUI2LUdBSG1ZTV94UHJVZmFOcjRNOEdfRk9TNmZFOGF3UThIbTUxem1yUkxCbEJFRno0a2owV2NhM3o2VG83QQ?oc=5) · Tribute Archive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20818 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "20818", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide