Citizens National Bank
Sevierville, TN · Cert 20954 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · CNB Bancshares Inc.
National charter · OCC · 21 branches
Q2 2026
$2.0BAssets
$1.3BLoans
$1.7BDeposits
$192.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 94% of banks $1B-$10B in assets operating in a single state (rank 16 of 258).
- Widest gap: net interest margin trails 65% of banks $1B-$10B in assets operating in a single state (rank 168 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.63%
Rank 46 of 258
Net Interest Margin
3.31%
Rank 168 of 258
Efficiency Ratio
42.73%
Rank 19 of 257
Equity / Assets
9.81%
Rank 150 of 258
Non-interest income vs. expense
Unfavorable gap of $22.4M · efficiency ratio beats 93% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.63% | 0.93% | 1.23% | 1.54% | Beats 82% | 46 / 258 | | |
| Return on Equity | 16.65% | 9.26% | 11.84% | 14.74% | Beats 86% | 35 / 258 | | |
| Net Interest Margin | 3.31% | 3.16% | 3.49% | 3.88% | Beats 35% | 168 / 258 | | |
| Efficiency Ratio | 42.73% | 51.71% | 60.30% | 69.65% | Beats 93% | 19 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.19% | 0.46% | 0.90% | Beats 94% | 16 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 81% | 51 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 15.08% | 11.41% | 12.98% | 15.12% | Beats 74% | 68 / 258 | | |
| Total Risk-Based Capital Ratio | 16.27% | 12.10% | 13.91% | 16.08% | Beats 76% | 62 / 258 | | |
| Equity / Assets | 9.81% | 9.09% | 10.24% | 11.72% | Beats 42% | 150 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.43% | 73.24% | 86.34% | 95.95% | 31st pctl | 178 / 258 | | |
| Loans / Assets | 68.00% | 63.01% | 72.27% | 78.40% | 34th pctl | 170 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |