# CITIZENS NATIONAL BANK
SEVIERVILLE, TN · FDIC certificate 20954 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $1.96B | |
| Deposits | $1.74B | |
| Loans and leases | $1.33B | |
| Total equity | $192.2M | |
| Loans / deposits | 75.49% (p25 of band) | 87.10% |
| Liquid assets / assets | 29.35% (p75 of band) | |
| Uninsured deposits / deposits | 38.77% (p70 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.17% (p63 of band) | 10.50% |
| Unrealized securities loss / equity | -14.92% (p29 of band) | -7.75% |
| AOCI / equity | -1.18% (p14 of band) | |
| ROA (annualized) | 2.00% (p88 of band) | 1.26% |
| Net interest margin | 3.50% (p37 of band) | 3.70% |
| Efficiency ratio | 42.73% (p11 of band) | |
| Noncurrent loans | 0.04% (p9 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 2747.47% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 88.65% (p82 of band) | |
| Auto loans | $858,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 189 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | brokered >10% |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 4 | brokered >10%, uninsured deposits leaving |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 2 |  | brokered >10%, uninsured deposits leaving |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 2 |  | reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent | wholesale funding >15%, capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 3 | wholesale funding >15% |  |
| 2015-09 | 2 |  | wholesale funding >15% |
| 2015-12 | 1 |  | noncurrent p90 |
| 2016-03 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 0 |  | wholesale funding >15%, capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 | construction >100% equity | capital falling |
| 2017-09 | 0 |  | construction >100% equity |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 3 | construction >100% equity |  |
| 2023-03 | 3 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 4 | securities losses >30% of equity |  |
| 2023-09 | 4 | capital falling | deposits shrinking |
| 2023-12 | 2 |  | uninsured deposits leaving, securities losses >30% of equity |
| 2024-03 | 3 | securities losses >30% of equity |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 3 | capital falling, securities losses >30% of equity |  |
| 2025-03 | 1 |  | capital falling, securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-02-02 [Park National Bank announces completion of First Citizens National Bank merger - GlobeNewswire](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPSy1TM2ZzcVcxa1VWOWVLdXNtSHNTcFJFeE1VTUhqSHA3Z0Y2Q3ZQMEJ2OWdyWUdSV2RmZ2FvcldLTzdkQWhjTWVIeWJxMkhWRGZXdjlob1VycVo1UWphY0Fxc3VudkFld3lKak56SU1qdlJ4MEN3N2tFeWY1a2ZwVGZzMlJydFhHemRzWmhCeGVSVDJFaDVveEk4dHZDSEtWNkgwazFvQ2ZZUVBKYWdiQmdEQUhHU3k1WEI1NW1sZFFIZTVrRnFDd0tPa3ItQjJTODBCTXg2cnJZN0c4dzVfd3VEdUNmUnhM?oc=5) · GlobeNewswire
- 2026-01-28 [Park National Bank names new CEO, reports record profit ahead of latest acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNQTQyYVhnZTF6ektHaG8zUnBKSXF3ckpkVkxJLWt2eUFHVmNld3dmeHA0SUstYUFwQUJ4dEc5NjRLOVFRakdSXzhHTVg5MkJPbHNuQnBBUFF5NDc3bzhPZDJ0Y3lkOW9IQ3FFRDlQbkw0dWM3QkZhUzF2djhMVTZEUmRJV0tCZi1hOThySENMNnlER0pFam11M3R1bEd0REVYVEh6X0VINURtdw?oc=5) · The Business Journals
- 2025-10-31 [Newark-based Park National Corp. expected to acquire Tennessee's First Citizens bank - newarkadvocate.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNNG9EWGxZSzFySU9fM3VCaHYtMkVTejZUVC1GZWhYWVdnR296d1RxaGcxd01fa3U4UzYwYjFFWGgyaF9Ybllta0VDUmJDaFdKR2JGdnYzYzVnblRGbzBXTjV0VkN1SFM3ajJsNWNCX0pJV3VQRGNoa0dGZDhXMEVsQ3p4Mlg2aTducUt2YnRxQnMtTzlFZzdlTElIN3hKTHFaSzZOMS1rOXJ2bkZocExURXNUeThxRXBXSDJFTGdNVjVmaUhGMGR2OFRIdXozWFFh?oc=5) · newarkadvocate.com
- 2025-10-27 [Park National Corporation and First Citizens Bancshares, Inc. Announce Definitive Merger Agreement - Quiver Quantitative](https://news.google.com/rss/articles/CBMizgFBVV95cUxNZTJKNVVfQVRVRlVhcGR3Z0dTdlBJQkR1eEJmSndIQmZib2J2N2t6R0ZyaXU2WWFjQ1BFS2xaRGlsdDFXM0RKWVV5bllrN0FMZGpvM2Y4MjdNbDhhb2Y2U2p6QkJzQUtiNVRpc3dwNVVTQUJqdG9ibS1HOGg2S3VNcmRDY2RvNXVZMTFsX1JVeVR4MUo0RFZFa1g0NThQUmZCVkNPU285Vy13d2FaZjZMZzdZeFFzb1BobVNxWkJCQkdQamJkdjVqSmkwWExiUQ?oc=5) · Quiver Quantitative
- 2025-11-04 [KBRA Comments on Park National Corporation’s Acquisition of First Citizens Bancshares, Inc. - Business Wire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPQXpNdmpGTmU0QWZjcnoweXgzNzVlOU11R3d4Y2hNbHpQN01zcmxDWFNYdWJtZkFvYVhWS0g4eXRlQ1d6Nm02TWtnZmMzOWtVREVvdlh6a25kcDM3SXJwRWpNSV9PS0xEMTV6NExhSENDblNVWFNlNVVDeV9JYmR5MV9DMzZ2clhaTHJQM2VPOVN6UGprVDhCSVhjYmFOVTR1N3JHTmNacTBOcWV1UklGWjNMeEI3SmJQMjhaODZQVUlubGs2aUVfbXJnQ2VYTXgzdi1aMWRIS2dtRE9aQkVj?oc=5) · Business Wire
- 2025-11-08 [Jackson location included in bank acquisition by Ohio-based Park National Corp. - Talk-N West TN](https://news.google.com/rss/articles/CBMitAFBVV95cUxPalVoWDBDRG1wNndzMThyb1QxS1RHMHhnRVdTWDFZZm1ad2poUWNxUHJOcDlCbFlTZS1VdVVTTzNiM1Y2bU5Od3d0V3dtMjlVRjUyRmpVQ1VwWGZId3BzQlN3bXB5aVlXdFZZeWpIeHRwSHBzQi1qcFVGYWhsUFZVdl9DV1BsNlVSMWJJZkJ6cWNGdzh1dWJqN3JzclI1MC1kcEVEbDluamVlY2ZsOFByXy14ME0?oc=5) · Talk-N West TN
- 2025-10-31 [Park National Bank expands to Tennessee with latest acquisition - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOLUxYZmNSNGp4VHZzUTRQRERJb0VRRkU5WGNQRzhsS2Zic1N4Y1g2VGlZZ2JicmpFcTNPd1FqMkFyWEtrWXdEWjRMWFF1SnY5bEM1UzFFUkptWXUwLXZHcXhrVjJZWTFXeG5pTXp6aUFhdERZN3pUcTdIMjdMaEE5OHRXaG0wWGFjdnVZWk0wUUt5cXA0aWxGaUdjTnc5cmp0ZUdDSA?oc=5) · The Business Journals
- 2016-05-18 [Simmons First acquires small Tennessee community bank CNB for $77 million - Talk Business & Politics](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNQlVZTHdFZlVGVER1VkRwMVVidHluYkFGNV9QQWNPUkxSMlctWlpZT2hPSXdaVmpjQWhDTXR3Uzl3TElnZUF2ck15QXFLb25lQ2VEaWFtYmFXeG1tSHZWbnkxU1cyT05wczYtRTVlOGljbVhFNExDX0g3ZTBmVDZZcmd3b3FlZjVTQUxLUUJIYzRLVHFsdHpJQWFwVnlrN2lMV21iaUVXTXY2Zw?oc=5) · Talk Business & Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20954 (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/26.json (key "20954", 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