First Citizens National Bank: Bank Stress & Real-Estate Credit Exposure
FDIC Certificate #4972 · Dyersburg, TN. This institution (First Citizens National Bank) no longer appears in the current FDIC branch and deposit filings (#4972) that DLRadar scores; FDIC records the last First Citizens National Bank day as a separately insured institution (#4972) as February 1, 2026. FDIC event for First Citizens National Bank: Participated in Absorbtion/Consolidation/Merger (2026-02-01). DLRadar last scored First Citizens National Bank (#4972) on September 20, 2026. The First Citizens National Bank facts below are its last recorded footprint (#4972), kept as a permanent First Citizens National Bank public record; the First Citizens National Bank figures are not refreshed.
First Citizens National Bank (#4972) carried no scored branch footprint (First Citizens National Bank) in the FDIC filings DLRadar reads; the First Citizens National Bank record exists because FDIC certificate 4972 was a separately insured First Citizens National Bank institution in Dyersburg, TN, last seen by DLRadar (#4972) on September 20, 2026.
What the First Citizens National Bank (#4972) record holds: FDIC certificate 4972 for First Citizens National Bank, closed as a separate First Citizens National Bank charter on February 1, 2026; successor Park National Bank (FDIC #6653) carries the First Citizens National Bank footprint forward; FDIC event for First Citizens National Bank: Participated in Absorbtion/Consolidation/Merger (2026-02-01); First Citizens National Bank (#4972) first entered DLRadar on September 20, 2026.
How First Citizens National Bank (#4972) was scored while active: the First Citizens National Bank stress score read FDIC call-report financials (#4972) and the Summary of Deposits branch file for First Citizens National Bank, mapped First Citizens National Bank branches to counties and ZIP codes (#4972), and weighted the First Citizens National Bank real-estate loan concentration against its peers; the First Citizens National Bank (#4972) figures on this page are the last such First Citizens National Bank run and are not refreshed.
First Citizens National Bank (#4972) net interest margin 2.81% against an eight-quarter First Citizens National Bank (#4972) average of 2.58% (First Citizens National Bank (#4972) compression -0.23 points); First Citizens National Bank (#4972) real-estate loans 0.4% of equity; First Citizens National Bank (#4972) non-residential real estate 18.7% of equity; First Citizens National Bank (#4972) rate-exposure score 40/100, First Citizens National Bank (#4972) fixed-rate trap 40/100; First Citizens National Bank (#4972) risk type credit driven; First Citizens National Bank (#4972) rate regime rates elevated, First Citizens National Bank (#4972) snapshot May 27, 2026.
First Citizens National Bank (#4972) is chartered in Dyersburg, TN; FDIC lists First Citizens National Bank (#4972) as inactive, succeeded by Park National Bank.
Why this First Citizens National Bank page exists: bank identities are historical data (#4972). When an institution such as First Citizens National Bank merges or its charter ends, DLRadar keeps the First Citizens National Bank profile so citations, links and the First Citizens National Bank score history stay resolvable (#4972), and points First Citizens National Bank to the successor where the FDIC records one. Every First Citizens National Bank figure traces to public FDIC data (#4972).