CITIZENS BANK OF LAFAYETTE
LAFAYETTE, TENNESSEE · FDIC Cert #1711
Capital & Safety Analysis
According to FDIC financial data, CITIZENS BANK OF LAFAYETTE holds a Tier 1 capital ratio of 13.24%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning CITIZENS BANK OF LAFAYETTE has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
CITIZENS BANK OF LAFAYETTE shows strong financial health indicators. With $1.6B in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CITIZENS BANK OF LAFAYETTE has a Bank Health Score of A (85/100). It holds a Tier 1 capital ratio of 13.24%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CITIZENS BANK OF LAFAYETTE holds $1.6B in total assets and $1.4B in total deposits. It is located in LAFAYETTE, TENNESSEE (FDIC Certificate #1711).
CITIZENS BANK OF LAFAYETTE has a Tier 1 capital ratio of 13.24%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.46%, and the return on assets is 1.23%.
Yes. CITIZENS BANK OF LAFAYETTE is FDIC-insured (Certificate #1711). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.