Citizens National Bank (TN)

Overview / Commentary
200 Forks of the River Pkwy
Sevierville, TN 37862

Citizens National Bank (TN) is headquartered in Sevierville and is the 15th largest bank in the state of Tennessee. It is also the 752nd largest bank in the nation. It was established in 1973 and as of December of 2020, it had grown to 205 employees at 22 locations. Citizens National Bank (TN) has an A+ health rating.

Reviews (2)

Great Bank Overall!

CNB is a fabulous bank with very convenient hours and locations. They have small branches in local Kroger, Food City, and Walmart stores that are open on Saturdays until 2pm and on weekdays until 7pm. This makes it very convenient for the average working person to still be able to make it to a branch if needed. The customer service reps are very knowledgeable and friendly. I was once a victim of identity theft and the bank instantly noticed some weird charges on my account and called me to make me aware of it. They stopped the payments on my account and worked proactively to get my money back for me. If they had not caught this so quickly, who knows the damage that could have been done. Overall, the bank is a great fit for consumers looking for convenient hours, and knowledgeable, caring customer service staff.

Great Bank - Great People!

Citizens National Bank is a fabulous bank to work with. They have very convenient hours as they have mini branches located in local Kroger and Food City grocery stores open until 7:00pm Monday through Friday and 2:00pm on Saturday. The customer service is fabulous at CNB. I have been a victim of identity theft in the past. I promptly went into the bank branch of my local grocery story and the bank quickly shut off access to my account and started working on getting my money back to me. If I have ever needed a thing, they are always available via telephone without a wait as well. The online banking is convenient with access to your checking and savings accounts via their website with online banking or their app straight from your phone. You can also deposit checks conveniently right from their app. You simply open the app, snap a photo of the front and back of the endorsed check, and your money is deposited by the next business day.


Health Grade Components

FDIC Certificate #20954
Year Established1973
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.82%
Return on Equity - YTD16.1%
Annual Interest Income$48.4MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$1.28B$1.11B
LoansQ4 2020vs Q4 2019$909.2MM$829.3MM
DepositsQ4 2020vs Q4 2019$1.13B$967.3MM
Equity CapitalQ4 2020vs Q4 2019$140.7MM$129.1MM
Loan Loss AllowanceQ4 2020vs Q4 2019$11.4MM$10.9MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$257.00K$1.4MM
Real Estate OwnedQ4 2020vs Q4 2019$0$0
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Citizens National Bank (TN) Checking Account Rates

1.75%*-$25kRewards Checking
OTHER TIERS: 0.46% $25k+


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