Citizens Tri-County Bank
Dunlap, TN · Cert 20818 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Sequatchie Valley Bancshares
State charter, non-member · FDIC · 24 branches
Q2 2026
$1.6BAssets
$1.1BLoans
$1.5BDeposits
$148.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 44 of 267).
- Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets operating in a single state (rank 262 of 267).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.44%
Rank 80 of 267
Net Interest Margin
3.48%
Rank 139 of 267
Efficiency Ratio
54.46%
Rank 88 of 266
Equity / Assets
9.05%
Rank 210 of 267
Non-interest income vs. expense
Unfavorable gap of $27.6M · efficiency ratio beats 67% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.93% | 1.23% | 1.55% | Beats 70% | 80 / 267 | |
| Return on Equity | 15.96% | 9.16% | 11.84% | 14.56% | Beats 84% | 44 / 267 | |
| Net Interest Margin | 3.48% | 3.12% | 3.50% | 3.88% | Beats 48% | 139 / 267 | |
| Efficiency Ratio | 54.46% | 51.36% | 60.21% | 69.66% | Beats 67% | 88 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.19% | 0.46% | 0.89% | Beats 29% | 190 / 267 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.02% | 0.06% | Beats 31% | 186 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 9.34% | 11.29% | 13.05% | 15.13% | Beats 2% | 262 / 267 | |
| Total Risk-Based Capital Ratio | 9.34% | 11.95% | 13.87% | 16.27% | Beats 2% | 262 / 267 | |
| Equity / Assets | 9.05% | 9.18% | 10.29% | 11.76% | Beats 21% | 210 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 72.75% | 72.68% | 86.16% | 95.22% | 25th pctl | 199 / 267 | |
| Loans / Assets | 65.51% | 62.46% | 71.96% | 78.38% | 31st pctl | 185 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |