Citizens Bank (FDIC #893): Bank Stress & Real-Estate Credit Exposure

Citizens Bank (FDIC Cert #893): bank stress 37/100, contained, STABLE over 7 days.

Citizens Bank (#893) lends in 3 counties across 1 state; Citizens Bank (#893) reaches 28 ZIP codes: Tennessee 3 counties, 28 ZIPs.

Citizens Bank (#893) largest markets: Smith County, TN (60 branches, 15 ZIPs) (#893), Putnam County, TN (11 branches, 11 ZIPs) (#893), White County, TN (10 branches, 5 ZIPs) (#893).

Citizens Bank (#893) reports $832.5 million in total assets; Citizens Bank (#893) equity $111.8 million (13.4% of Citizens Bank (#893) assets); Citizens Bank (#893) domestic deposits $716.0 million; Citizens Bank (#893) net income $8.5 million; Citizens Bank (#893) return on assets 2.05%; Citizens Bank (#893) return on equity 15.59%; Citizens Bank (#893) net interest income $14.8 million; Citizens Bank (#893) call report June 30, 2026.

Citizens Bank (#893) noncurrent real-estate loans: none reported; Citizens Bank (#893) net charge-offs on real estate 0.72%.

Citizens Bank (#893) net interest margin 3.69% against an eight-quarter Citizens Bank (#893) average of 3.32% (Citizens Bank (#893) compression -0.38 points); Citizens Bank (#893) rate-exposure score 40/100, Citizens Bank (#893) fixed-rate trap 40/100; Citizens Bank (#893) risk type rate trapped; Citizens Bank (#893) rate regime rates elevated, Citizens Bank (#893) snapshot October 19, 2026.

Citizens Bank (#893) stress score moved from 39.8 on June 22, 2026 to 37.4 on October 19, 2026; Citizens Bank (#893) ranged 37.4 to 39.8 over 116 snapshots.

Citizens Bank (#893) alerts: 3 counties; top Citizens Bank (#893) alert scores: Cookeville County, TN 16 (low); Gordonsville County, TN 16 (low); Sparta County, TN 16 (low).