First Citizens National Bank (TN)
First Citizens National Bank (TN) is headquartered in DYERSBURG and is the 8th largest bank in the state of Tennessee. It is also the 491st largest bank in the nation. It was established in 1889 and as of March of 2025, it had grown to 304 employees at 26 locations. First Citizens National Bank (TN) has a B+ health rating.
Unappreciated Customer
Been an account holder for a decade. I received a letter stating they are now charging me a $12 service charge if I don't use my debit card 15 times or if I don't keep a balance of $500. I can't say I will do that. I don't don't use my card 15 times and that should be my business! I may not have $500 in the account! I may just have $200 after paying a bill in this economy! That too is my business! They make money from me simply having an account with money in it but that's not enough! They want t more! They've forgotten the customers who put them where they are today, the little guy, the working folk! FCNB can stick the $12 up their, well you know where! I'll have an account with Bank of Tennessee before they can swivel their chair after me closing my account!! Bank of Tennessee knows how to appreciate their customers and they have 26 branches not 24!!!!
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 4972 |
| Year Established | 1889 |
| Employees | 304 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.85% |
| Return on Equity - YTD | 10.97% |
| Annual Interest Income | $30.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $2.53B$2.39B |
| Loans | Q1 2025vs Q1 2024 | $1.52B$1.4B |
| Deposits | Q1 2025vs Q1 2024 | $2.18B$2.06B |
| Equity Capital | Q1 2025vs Q1 2024 | $200.7MM$184.7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $18MM$18.2MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $6.1MM$3.5MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $260K$170K |
