Citizens Tri-County Bank (FDIC #20818): Bank Stress & Real-Estate Credit Exposure
Citizens Tri-County Bank (FDIC Cert #20818): bank stress 57/100, moderate, STABLE over 7 days; parent SEQUATCHIE VALLEY BANCSHARES.
Citizens Tri-County Bank (#20818) lends in 9 counties across 1 state; Citizens Tri-County Bank (#20818) reaches 82 ZIP codes: Tennessee 9 counties, 82 ZIPs.
Citizens Tri-County Bank (#20818) largest markets: Hamilton County, TN (64 branches, 32 ZIPs) (#20818), Franklin County, TN (32 branches, 16 ZIPs) (#20818), Marion County, TN (48 branches, 12 ZIPs) (#20818), Grundy County, TN (50 branches, 10 ZIPs) (#20818), Bledsoe County, TN (9 branches, 9 ZIPs) (#20818), Coffee County, TN (18 branches, 9 ZIPs) (#20818).
Citizens Tri-County Bank (#20818) reports $1.64 billion in total assets; Citizens Tri-County Bank (#20818) equity $148.5 million (9.1% of Citizens Tri-County Bank (#20818) assets); Citizens Tri-County Bank (#20818) domestic deposits $1.48 billion; Citizens Tri-County Bank (#20818) net income $15.1 million; Citizens Tri-County Bank (#20818) return on assets 1.85%; Citizens Tri-County Bank (#20818) return on equity 21.38%; Citizens Tri-County Bank (#20818) net interest income $28.9 million; Citizens Tri-County Bank (#20818) call report June 30, 2026.
Citizens Tri-County Bank (#20818) noncurrent real-estate loans 0.01% of its book; Citizens Tri-County Bank (#20818) residential -0.02%; Citizens Tri-County Bank (#20818) net charge-offs on real estate 0.86%; Citizens Tri-County Bank (#20818) residential charge-offs 0.19%.
Citizens Tri-County Bank (#20818) net interest margin 3.76% against an eight-quarter Citizens Tri-County Bank (#20818) average of 3.65% (Citizens Tri-County Bank (#20818) compression -0.11 points); Citizens Tri-County Bank (#20818) real-estate loans 1.2% of equity; Citizens Tri-County Bank (#20818) non-residential real estate 19.4% of equity; Citizens Tri-County Bank (#20818) rate-exposure score 40/100, Citizens Tri-County Bank (#20818) fixed-rate trap 40/100; Citizens Tri-County Bank (#20818) risk type credit driven; Citizens Tri-County Bank (#20818) rate regime rates elevated, Citizens Tri-County Bank (#20818) snapshot October 19, 2026.
Citizens Tri-County Bank (#20818) stress score moved from 58.3 on June 22, 2026 to 56.9 on October 19, 2026; Citizens Tri-County Bank (#20818) ranged 56.9 to 58.3 over 116 snapshots.
Citizens Tri-County Bank (#20818) alerts: 9 counties; top Citizens Tri-County Bank (#20818) alert scores: Decherd County, TN 21 (low); Dunlap County, TN 21 (low); Morrison County, TN 21 (low); Pikeville County, TN 21 (low); Soddy Daisy County, TN 21 (low).