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 24^th largest bank in the state of Tennessee. It is also the 919^th largest bank in the nation. It was established in 1934 and as of March of 2022, it had grown to 215 employees at 13 locations. Citizens Bank (TN) has an A+ health rating.

Reviews (1)

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Questionable Banking Standards

Posted by: Frankiec | Sep 20, 2019

A counterfeit $100 dollar bill was given to me when I withdrew $2500.00 from my account. I used it for a purchase and was notified one of the bills was counterfeit. I notified the bank and tried to return it. I was told by the bank it was my responsibility to check the money before leaving the bank and they would not replace the bill.

Comment

Health

A+

Data as of Q1 2022

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Health Grade Components

Overall
FDIC Certificate #	14851
Year Established	1934
Employees	215
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	2.42%
Return on Equity - YTD	19.02%
Annual Interest Income	$11.4MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$1.08B$1.06B
Loans	Q1 2022vs Q1 2021	$807.3MM$827.6MM
Deposits	Q1 2022vs Q1 2021	$915.8MM$925.0MM
Equity Capital	Q1 2022vs Q1 2021	$137.9MM$125.3MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$9.3MM$10.7MM
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$2.1MM$2.8MM
Real Estate Owned	Q1 2022vs Q1 2021	$0$300.00K

Rates

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Money Market
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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
0.25%^*	$500k^*	-	Business Sweep
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.12% → $10k - $25k \| 0.15% → $25k - $50k \| 0.18% → $50k - $100k \| 0.20% → $100k - $250k \| 0.22% → $250k - $500k
0.12%^*	$10k^*	-	HSA - Family & Individual
OTHER TIERS: 0.05% → Up to $1k \| 0.07% → $1k - $5k \| 0.10% → $5k - $10k
0.10%	$100	-	EZ Savings
0.10%	$100	-	Business Savings

Citizens Bank (TN) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$500k^*	-	Citizens Preferred Money Fund
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.12% → $10k - $25k \| 0.15% → $25k - $50k \| 0.18% → $50k - $100k \| 0.20% → $100k - $250k \| 0.22% → $250k - $500k
0.25%^*	$500k^*	-	Business Money Fund
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.12% → $10k - $25k \| 0.15% → $25k - $50k \| 0.18% → $50k - $100k \| 0.20% → $100k - $250k \| 0.22% → $250k - $500k

Citizens Bank (TN) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	-	$25k	WOW Rate E-Checking
OTHER TIERS: 0.10% → $25k+
0.20%^*	$500k^*	-	Reward Interest Checking
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.12% → $25k - $50k \| 0.15% → $50k - $200k \| 0.18% → $200k - $500k
0.15%^*	$50k^*	-	Business Interest Checking
OTHER TIERS: 0.10% → $5k - $25k \| 0.12% → $25k - $50k

Citizens Bank (TN) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$2.5k	-	60 Month CD
0.35%	$2.5k	-	48 Month CD
0.30%	$2.5k	-	36 Month CD
0.25%	$2.5k	-	24 Month CD
0.25%	$2.5k	-	30 Month CD
0.20%	$2.5k	-	12 Month CD
0.20%	$2.5k	-	18 Month CD
0.10%	$2.5k	-	6 Month CD

Citizens Bank (TN) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$2.5k	-	60 Month IRA
0.35%	$2.5k	-	48 Month IRA
0.30%	$2.5k	-	36 Month IRA
0.25%	$2.5k	-	24 Month IRA
0.25%	$2.5k	-	30 Month IRA
0.20%	$2.5k	-	12 Month IRA
0.20%	$2.5k	-	18 Month IRA
0.10%	$2.5k	-	6 Month IRA

Locations

Availability

Tri-Cities Area

Tri-Cities Area bank & credit union details

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