Citizens Bank (FDIC #14851): Bank Stress & Real-Estate Credit Exposure
Citizens Bank (FDIC Cert #14851): bank stress 42/100, contained, STABLE over 7 days; parent CITCO COMMUNITY BANCSHARES INC.
Citizens Bank (#14851) lends in 6 counties across 1 state; Citizens Bank (#14851) reaches 74 ZIP codes: Tennessee 6 counties, 74 ZIPs.
Citizens Bank (#14851) largest markets: Knox County, TN (62 branches, 31 ZIPs) (#14851), Washington County, TN (13 branches, 13 ZIPs) (#14851), Sullivan County, TN (60 branches, 12 ZIPs) (#14851), Campbell County, TN (11 branches, 11 ZIPs) (#14851), Loudon County, TN (9 branches, 9 ZIPs) (#14851), Carter County, TN (24 branches, 8 ZIPs) (#14851).
Citizens Bank (#14851) reports $1.42 billion in total assets; Citizens Bank (#14851) equity $181.7 million (12.8% of Citizens Bank (#14851) assets); Citizens Bank (#14851) domestic deposits $1.19 billion; Citizens Bank (#14851) net income $13.5 million; Citizens Bank (#14851) return on assets 1.94%; Citizens Bank (#14851) return on equity 15.27%; Citizens Bank (#14851) net interest income $29.6 million; Citizens Bank (#14851) call report June 30, 2026.
Citizens Bank (#14851) noncurrent real-estate loans 0.13% of its book; Citizens Bank (#14851) residential 0.18%; Citizens Bank (#14851) net charge-offs on real estate 1.07%; Citizens Bank (#14851) residential charge-offs 1.50%.
Citizens Bank (#14851) net interest margin 4.45% against an eight-quarter Citizens Bank (#14851) average of 4.19% (Citizens Bank (#14851) compression -0.26 points); Citizens Bank (#14851) real-estate loans 13.4% of equity; Citizens Bank (#14851) non-residential real estate 149.9% of equity; Citizens Bank (#14851) rate-exposure score 40/100, Citizens Bank (#14851) fixed-rate trap 40/100; Citizens Bank (#14851) risk type credit driven; Citizens Bank (#14851) rate regime rates elevated, Citizens Bank (#14851) snapshot October 19, 2026.
Citizens Bank (#14851) stress score moved from 43.8 on June 22, 2026 to 42 on October 19, 2026; Citizens Bank (#14851) ranged 42 to 43.8 over 116 snapshots.
Citizens Bank (#14851) alerts: 6 counties; top Citizens Bank (#14851) alert scores: Hampton County, TN 17 (low); Johnson City County, TN 17 (low); Kingsport County, TN 17 (low); Knoxville County, TN 17 (low); La Follette County, TN 17 (low).