Citizens Bank (TN)

Overview / Commentary

www.citizensbank24.com

423-543-2265

300 Broad Street
Elizabethton, TN 37643

Citizens Bank (TN) is headquartered in Elizabethton and is the 22^nd largest bank in the state of Tennessee. It is also the 891^st largest bank in the nation. It was established in 1934 and as of March of 2019, it had grown to 193 employees at 14 locations. Citizens Bank (TN)'s CD rates are 67% higher than the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2019

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Health Grade Components

Overall
FDIC Certificate #	14851
Year Established	1934
Employees	193
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.9%
Return on Equity - YTD	15.07%
Annual Interest Income	$10.6MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$884.5MM$838.4MM
Loans	Q1 2019vs Q1 2018	$604.2MM$588.8MM
Deposits	Q1 2019vs Q1 2018	$710.2MM$686.6MM
Equity Capital	Q1 2019vs Q1 2018	$110.7MM$102.5MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$5.9MM$5.5MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$2.5MM$3.7MM
Real Estate Owned	Q1 2019vs Q1 2018	$0$2.1MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens Bank (TN) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	$500k^*	-	Business Sweep
OTHER TIERS: 0.15% → $2.5k - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.50% → $100k - $250k \| 0.52% → $250k - $500k
0.30%	$100	-	EZ Savings
0.30%	$100	-	Business Savings
0.30%^*	$10k^*	-	HSA - Family & Individual
OTHER TIERS: 0.05% → Up to $1k \| 0.20% → $1k - $5k \| 0.25% → $5k - $10k

Citizens Bank (TN) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	$500k^*	-	Citizens Preferred Money Fund
OTHER TIERS: 0.15% → $2.5k - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.50% → $100k - $250k \| 0.52% → $250k - $500k
0.55%^*	$500k^*	-	Business Money Fund
OTHER TIERS: 0.15% → $2.5k - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.50% → $100k - $250k \| 0.52% → $250k - $500k

Citizens Bank (TN) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.22%^*	-	$25k	WOW Rate E-Checking
OTHER TIERS: 0.74% → $25k+
0.50%^*	$500k^*	-	Reward Interest Checking
OTHER TIERS: 0.10% → Up to $10k \| 0.22% → $10k - $25k \| 0.28% → $25k - $50k \| 0.35% → $50k - $200k \| 0.42% → $200k - $500k
0.30%^*	$50k^*	-	Business Interest Checking
OTHER TIERS: 0.15% → $5k - $10k \| 0.22% → $10k - $25k \| 0.25% → $25k - $50k

Citizens Bank (TN) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.40%	$2.5k	-	59 Month CD
2.10%	$2.5k	-	60 Month CD
2.00%	$2.5k	-	48 Month CD
2.00%	$2.5k	-	13 Month CD
1.90%	$2.5k	-	36 Month CD
1.80%	$2.5k	-	30 Month CD
1.75%	$2.5k	-	24 Month CD
1.60%	$2.5k	-	18 Month CD
1.50%	$2.5k	-	12 Month CD
0.65%	$2.5k	-	6 Month CD

Citizens Bank (TN) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.40%	$2.5k	-	59 Month IRA
2.10%	$2.5k	-	60 Month IRA
2.00%	$2.5k	-	48 Month IRA
2.00%	$2.5k	-	13 Month IRA
1.90%	$2.5k	-	36 Month IRA
1.80%	$2.5k	-	30 Month IRA
1.75%	$2.5k	-	24 Month IRA
1.60%	$2.5k	-	18 Month IRA
1.50%	$2.5k	-	12 Month IRA
0.65%	$2.5k	-	6 Month IRA

Locations

Availability

Tri-Cities Area

Tri-Cities Area bank & credit union details

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