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Overview / Commentary
15699 Rankin Avenue
Dunlap, TN 37327

Citizens Tri-County Bank is headquartered in Dunlap and is the 27th largest bank in the state of Tennessee. It is also the 1,084th largest bank in the nation. It was established in 1972 and as of March of 2014, it had grown to 217 employees at 22 locations. Citizens Tri-County Bank has a B health rating.

Reviews (1)

Illegal Seizure Of My Personal Property When They Foreclosed On My Landlord.

Citizens Tri County wrongfully siezed my personal property. They totally ignored my attorneys letters. Have been treated terribly through the process. John Barker of the Dunlap branch is to blame for this nightmare. I will continue to fight for justice. They need to be exposed for how they treat people. Total abuse of power.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Citizens Tri-County Bank had $20.69 million in non-current loans and owned real-estate with $65.02 million in equity and loan loss allowances on hand to cover it. This gives Citizens Tri-County Bank a Texas Ratio of 31.82% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Citizens Tri-County Bank experienced no significant changes from 30.95% as of March 31, 2013 to 31.82% as of March 31, 2014, resulting in a negative change of 2.81%. This indicates that the balance sheet and financial strength for Citizens Tri-County Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Citizens Tri-County Bank has increased its total deposits by $16.88 million, resulting in 3.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens Tri-County Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens Tri-County Bank has $625.64 million in assets with $65.02 million in equity, resulting in a capitalization level of 10.39%, which is above average.

Institution Statistics

FDIC Certificate #20818
Year Established1972
Primary RegulatorFDIC
Assets and Liabilities
Assets$625.64 million
Loans$286.48 million
Deposits$561.63 million
Equity Capital$59.55 million
Loan Loss Allowance$5.47 million
Unbacked Noncurrent Loans$12.75 million
Real Estate Owned$7.94 million
Historic Data - March 2013
Assets$613.62 million
Equity Capital$64.60 million
Loan Loss Allowance$6.58 million
Unbacked Noncurrent Loans$12.75 million
Real Estate Owned$8.43 million
Profit Margin - Quarterly
Net Interest Margin4.35%
Return on Assets1.82%
Return on Equity19.22%
Interest Income$6.42 million

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Citizens Tri-County Bank has 22 locations. Click to view all Citizens Tri-County Bank locations.