Citizens Tri-County Bank
Dunlap, TN · Cert 20818 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 83% of banks $1B-$10B in assets operating in a single state (rank 45 of 258).
- Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets operating in a single state (rank 254 of 258).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.44%
Rank 76 of 258
Net Interest Margin
3.48%
Rank 132 of 258
Efficiency Ratio
54.46%
Rank 83 of 257
Equity / Assets
9.05%
Rank 197 of 258
Non-interest income vs. expense
Unfavorable gap of $27.6M · efficiency ratio beats 68% 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% | 1.54% | Beats 71% | 76 / 258 | |
| Return on Equity | 15.96% | 9.26% | 11.84% | 14.74% | Beats 83% | 45 / 258 | |
| Net Interest Margin | 3.48% | 3.16% | 3.49% | 3.88% | Beats 49% | 132 / 258 | |
| Efficiency Ratio | 54.46% | 51.71% | 60.30% | 69.65% | Beats 68% | 83 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.19% | 0.46% | 0.90% | Beats 30% | 182 / 258 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.02% | 0.07% | Beats 32% | 176 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 9.34% | 11.41% | 12.98% | 15.12% | Beats 2% | 254 / 258 | |
| Total Risk-Based Capital Ratio | 9.34% | 12.10% | 13.91% | 16.08% | Beats 2% | 254 / 258 | |
| Equity / Assets | 9.05% | 9.09% | 10.24% | 11.72% | Beats 24% | 197 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 72.75% | 73.24% | 86.34% | 95.95% | 24th pctl | 195 / 258 | |
| Loans / Assets | 65.51% | 63.01% | 72.27% | 78.40% | 29th pctl | 182 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |