Citizens Tri-County Bank


Citizens Tri-County Bank is an FDIC insured institution headquartered at 15699 Rankin Ave, Dunlap, TN 37327.
It was founded in 1972 and has approximately $2 billion in assets. Customers can open an account at one of its 26 branches.

Deposit Rates - April 11, 2026

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.15% $10,000 Compare
6 Mo CD
0.15% $100,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.25% $100,000 Compare
18 Mo CD
0.30% $10,000 Compare
18 Mo CD
0.30% $100,000 Compare
24 Mo CD
0.35% $10,000 Compare
24 Mo CD
0.35% $100,000 Compare
36 Mo CD
0.40% $10,000 Compare
36 Mo CD
0.40% $100,000 Compare
48 Mo CD
0.45% $10,000 Compare
48 Mo CD
0.45% $100,000 Compare
60 Mo CD
0.50% $10,000 Compare
60 Mo CD
0.50% $100,000 Compare
MM RATES APY MIN
Money Market
0.25% $2,500 Compare
Money Market
0.25% $10,000 Compare
Money Market
0.25% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.20% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20818
Date Established 1972
Assets $ 1,594.71 million
Loans $ 1,059.81 million
Deposits $ 1,446.38 million
Capital $ 134.09 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 246.03 million
Interest-bearing balances $ 213.40 million
Total securities $ 183.73 million
Federal funds sold and reverse repurchase $ 50.00 million
Net loans and leases $ 1,059.81 million
Loan loss allowance $ 17.56 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.85 million
Goodwill and other intangibles $ 5.05 million
All other assets $ 25.63 million
     Total Assets $ 1,460.61 million

LIABILITIES
Total deposits $ 1,446.38 million
      Interest-bearing deposits $ 1,159.75 million
      Deposits held in domestic offices $ 1,446.38 million
      % insured (estimated)" 71.29%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 8.03 millionn
      Total Liabilities $ 1,460.61 million
      Shareholders’ Equity $ 134.09 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 90.28 million
Total Interest Expense $ 35.36 million
Net interest income $ 54.92 million
Provision for loan and lease losses $ 0.08 million
Total non interest income $ 8.61 million
Total non interest expense $ 34.83 million
Pre-tax Net Operating Income $ 10.32 million

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Branches

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Citizens Tri-County Bank Locations