# CITIZENS COMMUNITY BANK
WINCHESTER, TN · FDIC certificate 33739 · asset band $300M-1B · 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 | $352.6M | |
| Deposits | $303.2M | |
| Loans and leases | $226.1M | |
| Total equity | $45.2M | |
| Loans / deposits | 73.53% (p32 of band) | 82.04% |
| Liquid assets / assets | 31.30% (p67 of band) | |
| Uninsured deposits / deposits | 27.60% (p57 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.58% (p88 of band) | 10.81% |
| Unrealized securities loss / equity | -19.23% (p24 of band) | -8.10% |
| AOCI / equity | -0.61% (p37 of band) | |
| ROA (annualized) | 1.79% (p80 of band) | 1.28% |
| Net interest margin | 4.28% (p71 of band) | 3.91% |
| Efficiency ratio | 39.82% (p5 of band) | |
| Noncurrent loans | 0.38% (p47 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p76 of band) | |
| Reserve coverage of noncurrent | 374.18% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 97.19% (p86 of band) | |
| Auto loans | $3.0M (1.32% of loans; DQ 2.45%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 42 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2012-09 | 1 | charge-offs p90 |  |
| 2012-12 | 0 |  | charge-offs p90 |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2015-12 | 2 | capital falling | charge-offs p90 |
| 2016-03 | 0 |  | reserve under noncurrent, capital falling |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | charge-offs p90 |  |
| 2018-03 | 1 |  | noncurrent p90, charge-offs p90 |
| 2018-06 | 2 | noncurrent p90 |  |
| 2018-09 | 1 |  | noncurrent p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | charge-offs p90 | capital falling |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | charge-offs p90 |  |
| 2023-09 | 3 | deposits shrinking | charge-offs p90 |
| 2023-12 | 5 | assets shrinking, uninsured deposits leaving |  |
| 2024-03 | 3 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 | charge-offs p90 | securities losses >30% of equity, capital falling |
| 2024-12 | 3 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | charge-offs p90, securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | construction >100% equity |
| 2026-06 | 0 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2020-06-11 [Local bank warns citizens about Amazon spoofing scam - The Lynchburg Times](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9zNm0wYmwyOWlEaTluTm45cXpSRGxCUU0wMWktR2kxSERRUVAtdnNFQmwxNXBCWkFnd1dsNWhXZjBIRU9DaHJjUVozNkI5WEs3VDROem5oWmVtc2xW?oc=5) · The Lynchburg Times
- 2024-01-28 [Robert Alfred Marks Obituary - Naples Daily News](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9tWTUwM292dWFSTmV5d3cwZjBiSGVNTkhibGo1NG1RSEFFVFUyTk0xUXJYeEVTRzlsWklIZ29iZHJSYjliYTYtY1JkODZmcGg2M0dibXVMVmdZZGdyMVE?oc=5) · Naples Daily News
- 2023-01-04 [Mallory Casey Obituary (2016) - Winchester, TN - Herald Chronicle - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPZjd5c29pSk1IaG1OeU93TDZzS0Z1SWxBN1lGUXBEOHZxWUNwMWk3UkdDYWgxNWlRRm9LLWxSaGZHWW53MDBSVnV5Vk83M1dLb2VPSExISFRoa21qTzVEemJ2T3o2SVN2U2tRYnpXYmtnVS16U2Q5bjlYa2cwUVdiRXpQaDVHZjN4eXY3NktJMy10Mkl1V1VB?oc=5) · legacy.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33739 (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/11.json (key "33739", 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