Is Citizens National Bank Safe?
Citizens National Bank has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (74/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.52% | 89/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 25.99% | 84/100 |
| Return on Assets | 1.34% | 74/100 |
| Total Assets | $1.7B | |
How does Citizens National Bank compare?
With a Bank Health Score of 89/100, Citizens National Bank sits 19.0 points above the national average of 70/100 for FDIC-insured banks. Within Tennessee, where 95 FDIC-insured banks are headquartered, Citizens National Bank ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 13.52% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Citizens National Bank's Bank Health Score fell by 3.0 points to 89/100. Tier 1 capital strengthened by 0.34 percentage points to 13.52%.
Citizens National Bank has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (74/100).