Citizens National Bank (FDIC #20954): Bank Stress & Real-Estate Credit Exposure
Citizens National Bank (FDIC Cert #20954): bank stress 51/100, moderate, STABLE over 7 days; parent CNB BANCSHARES INC.
Citizens National Bank (#20954) lends in 5 counties across 1 state; Citizens National Bank (#20954) reaches 60 ZIP codes: Tennessee 5 counties, 60 ZIPs.
Citizens National Bank (#20954) largest markets: Knox County, TN (31 branches, 31 ZIPs) (#20954), Mcminn County, TN (12 branches, 12 ZIPs) (#20954), Jefferson County, TN (30 branches, 10 ZIPs) (#20954), Sevier County, TN (150 branches, 10 ZIPs) (#20954), Hamblen County, TN (7 branches, 7 ZIPs) (#20954).
Citizens National Bank (#20954) reports $1.96 billion in total assets; Citizens National Bank (#20954) equity $192.2 million (9.8% of Citizens National Bank (#20954) assets); Citizens National Bank (#20954) domestic deposits $1.74 billion; Citizens National Bank (#20954) net income $19.6 million; Citizens National Bank (#20954) return on assets 2.00%; Citizens National Bank (#20954) return on equity 20.76%; Citizens National Bank (#20954) net interest income $32.5 million; Citizens National Bank (#20954) call report June 30, 2026.
Citizens National Bank (#20954) noncurrent real-estate loans: none reported; Citizens National Bank (#20954) net charge-offs on real estate 0.03%.
Citizens National Bank (#20954) net interest margin 3.50% against an eight-quarter Citizens National Bank (#20954) average of 3.25% (Citizens National Bank (#20954) compression -0.25 points); Citizens National Bank (#20954) rate-exposure score 40/100, Citizens National Bank (#20954) fixed-rate trap 40/100; Citizens National Bank (#20954) risk type credit driven; Citizens National Bank (#20954) rate regime rates elevated, Citizens National Bank (#20954) snapshot October 19, 2026.
Citizens National Bank (#20954) stress score moved from 52.2 on June 22, 2026 to 51.2 on October 19, 2026; Citizens National Bank (#20954) ranged 51.2 to 52.2 over 116 snapshots.
Citizens National Bank (#20954) alerts: 5 counties; top Citizens National Bank (#20954) alert scores: Athens County, TN 19 (low); Knoxville County, TN 19 (low); Morristown County, TN 19 (low); Seymour County, TN 19 (low); White Pine County, TN 19 (low).