# CITIZENS BANK
HARTSVILLE, TN · FDIC certificate 6103 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**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 | $290.7M | |
| Deposits | $258.2M | |
| Loans and leases | $184.4M | |
| Total equity | $28.8M | |
| Loans / deposits | 70.20% (p63 of band) | 64.15% |
| Liquid assets / assets | 33.80% (p33 of band) | |
| Uninsured deposits / deposits | 20.35% (p57 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.10% (p57 of band) | |
| FHLB advances / assets | 1.10% | |
| Tier 1 leverage | 9.83% (p40 of band) | 10.40% |
| Unrealized securities loss / equity | 0.97% (p51 of band) | 0.89% |
| AOCI / equity | -2.11% (p25 of band) | |
| ROA (annualized) | 1.00% (p48 of band) | 1.04% |
| Net interest margin | 3.58% (p64 of band) | 3.30% |
| Efficiency ratio | 59.93% (p32 of band) | |
| Noncurrent loans | 0.58% (p61 of band) | 0.35% |
| Net charge-offs (annualized) | 0.08% (p89 of band) | |
| Reserve coverage of noncurrent | 295.76% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 139.01% (p99 of band) | |
| Auto loans | $3.3M (1.79% of loans; DQ 4.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 49 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | capital falling | reserve under noncurrent |
| 2013-03 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 2 |  | charge-offs p90 |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | uninsured deposits leaving |  |
| 2017-09 | 1 |  | uninsured deposits leaving |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 2 | reserve under noncurrent |  |
| 2020-06 | 2 | capital falling | reserve under noncurrent |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |

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

- 2026-03-03 [Citizens Bank welcomes Catherine LaPorte to the board of directors - Elizabethton Star](https://news.google.com/rss/articles/CBMipgFBVV95cUxQSmF1d2tOZmhoTmMyR3dncGNGb2RYWHhyOFJtSi1RWG1sUndJbkRxX1c4dm1BUG15TTNvY2lndzJ4ZE5yVkpiZ0hKejdzYkxXdk5uVXF1OERsU2lkMlVwQWlqOEp4TmF4SE1HWUlob3o5MW5adlZfX1kzekNhT09oZkUwUlEyZEVBamhhdmdVMWR4bjhGcDVBcWNyaHcwRzlyalRQaE9B?oc=5) · Elizabethton Star
- 2025-12-02 [Citizens Bank of Lafayette Becomes Wellworth Bank - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxQVGowRUZFdlVsa1Zzb19rWXdOZl9IR3hHR19oNlphZElYY3R5V3pmU3VndWtoNTZIeDNfZkRTTFdiTUxoR0dPWG53bXlJd08yRlpKb0RmdE9zNFRrTklsS0hRZ3ZmTjZkVTRxN0E1bnFabFhLWHpPSWR0dHQwZlFoN1hjbW96UQ?oc=5) · The Business Journals
- 2026-02-20 [Citizens Bank Appoints Shane Sweeting as Senior Vice President of Credit Administration - The Tennessee Tribune](https://news.google.com/rss/articles/CBMirwFBVV95cUxONF9GSzZzdFNRNHdJbUYyRDB6SGJrRWRlZDVYTlpVYWJmSmdvNmEzbWVQajdmQWozVG5JNlVUOWdJTUlPX3htMGVMd1NwSk5NalRfV2ZVOWpRZnRic0g5bEZCZzhDeGR6cW14azhHTVJCWnZUb1d5Mi1wQ195bjVqdVZiTmFYY0oyWW8xbHhDZjlUSDM5Z3dDdmJfZjNLaWZ6NTJQWkZIUVdtaDllRTZR?oc=5) · The Tennessee Tribune
- 2025-10-31 [Newark-based Park National Corp. expected to acquire Tennessee's First Citizens bank - The Newark Advocate](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNNG9EWGxZSzFySU9fM3VCaHYtMkVTejZUVC1GZWhYWVdnR296d1RxaGcxd01fa3U4UzYwYjFFWGgyaF9Ybllta0VDUmJDaFdKR2JGdnYzYzVnblRGbzBXTjV0VkN1SFM3ajJsNWNCX0pJV3VQRGNoa0dGZDhXMEVsQ3p4Mlg2aTducUt2YnRxQnMtTzlFZzdlTElIN3hKTHFaSzZOMS1rOXJ2bkZocExURXNUeThxRXBXSDJFTGdNVjVmaUhGMGR2OFRIdXozWFFh?oc=5) · The Newark Advocate
- 2025-11-20 [Citizens Bank & Trust to Be Acquired by CB&S Bank — Merger Expected to Close in Early 2026 - Discover Dade](https://news.google.com/rss/articles/CBMivgFBVV95cUxONzZpd0VUOUhVWW1XUUVBNDdzZjg4QVR5RWhxdUFCNVVkZnJrdWRiWEpEMVFacW9HWjRFblhXZElSTlQ2UE5hVnhOcHFwc3huRnNNeVk4NFhHUzloZ1hVaG1Lczkya2s0NXE1RjA0R0RqWmFlMmxRSHhGQnItbWVDQmFtVURvNmV5UXIydHJPcURlNUpWZTREcHFnemJpM2pVX3pEdDBVN2pvR09zS0lPcHlSc24xbVlQbmFQUWNR?oc=5) · Discover Dade
- 2025-10-28 [Ohio community bank makes deal to top $10B, enter Tennessee - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUDQwdW1DNXBmYTVqSlFkQWpXZ2RYc3BrX3RTWkZ6a2gyVzd1bHpQelFreEdoSmctTWhxbFVhMk54djNxcFJpZ3pPTlZVMEh6eDU4Y0RDdHpkRnY3RjdTZGZ4d2laRV82OF9FcFdKTzIyUUFJd0RURkFycGtSZUV6cmVlVDZoU2Fyb0lQS2c4RnYtR2l0YldIcQ?oc=5) · American Banker
- 2026-02-27 [Citizens Bank & Trust groundbreaking continues Renaissance on Jefferson - The Tennessean](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNNjl5b3N0WlNsY3h3cnhfaVhSZHh6MldnTnlzd1d5X0RNWHhqd3Q1TnJzOXM5TEtMazBaazNsNW5OS0xyaGw5QkxPVmxnNFBVZ09DX3MwZ2dxX0MwZVNJclFibEQxZEZfRldKeEhLbWJVZG9lSUd0VzRrQ2V0NzhzaGdFV2w2Y1NsVU9CLUs1YUdCdGdZWHdmMjNHXzJISWxYNl9SYkpuenhNd0gxV2dpQzVYUjRmY0x4UndoMHAxLU51NFNBVG1kcE9WN2ZJd0UyVV9yMkFB?oc=5) · The Tennessean
- 2026-07-28 [Ameris Bank hires Atlanta market leader from First Citizens to build on growth - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxONm5mS2RDMWluMmpKZEw4QXJkZUtaSUdIaVVPTjV1Z3Q2S3l3V2JhX29ZZGk3SzJQelZTcFdqWGpGSTZpLV95RFFxYVQ3eW5LOEpTeFM0X2JRMDVvZXNJNjVCUlJzNWhpQ0JqRmRQdl9kbjFLcExNVTRIZVV1dDdKYURDZUFtdmVvcG1HY2FsUDdMcV9MSVZ2UWV3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6103 (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/23.json (key "6103", 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