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200 Forks of the River Pkwy
Sevierville, TN 37862

Citizens National Bank (TN) is headquartered in Sevierville and is the 17th largest bank in the state of Tennessee. It is also the 763rd largest bank in the nation. It was established in 1973 and as of September of 2017, it had grown to 209 employees at 20 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 - YTD1.34%
Return on Equity - YTD12.84%
Annual Interest Income$30.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$993.9MM$927.6MM
LoansQ3 2017vs Q3 2016$748.6MM$673.1MM
DepositsQ3 2017vs Q3 2016$850.2MM$762.2MM
Equity CapitalQ3 2017vs Q3 2016$105.4MM$100.8MM
Loan Loss AllowanceQ3 2017vs Q3 2016$10.7MM$10.0MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$3.2MM$3.1MM
Real Estate OwnedQ3 2017vs Q3 2016$7.5MM$15.2MM
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Citizens National Bank (TN) Checking Account Rates

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