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Citizens Savings Bank and Trust Company

$100M-$1B Specialty: Commercial TN FDIC cert 10319

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Nashville, TN

2 branches across TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
  • Deposits -6.0% year over year ($156.5M on the books).
  • Delinquency rate 2.75%.
  • Return on assets 0.22%.
  • Efficiency ratio 87.81% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.33% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Citizens Savings Bank and Trust Company faces 8 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 13.3% in tier
  • - Liquidity Strain: Bottom 29.1% in tier
  • - Capital Constraint: Bottom 57.9% in tier
  • - Return on Assets 1.10% below tier average
  • - Efficiency Ratio 23.33% above tier average
  • - Delinquency Rate 1.83% above tier average
  • - Nonperforming Asset Ratio 2.37% above tier average
  • - Net Interest Margin 0.42% below tier average
Get updates when Citizens Savings Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $188.1M
+1.7% YoY +1.3% QoQ
-$198.5M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
23%
Total Loans ? $158.5M
-0.5% YoY -0.4% QoQ
-$99.8M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $156.5M
-6.0% YoY -2.0% QoQ
-$170.3M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
23%
Return on Assets ? 0.22%
+178.7% YoY -45.9% QoQ
-1.10% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
Bottom 6.0% in tier
Net Interest Margin ? 3.56%
+8.9% YoY +0.2% QoQ
-0.42% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 87.81%
-7.2% YoY +9.3% QoQ
+23.33% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
Bottom 7.4% in tier
Delinquency Rate ? 2.75%
+2.2% YoY -7.6% QoQ
+1.83% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
Bottom 7.3% in tier
Loan-to-Deposit Ratio ? 101.33%
+5.8% YoY +1.7% QoQ
+23.38% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
Bottom 8.5% in tier
Non-Interest-Bearing Deposit Share ? 14.78%
-3.4% YoY +1.7% QoQ
-7.25% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 3.04%
+2.2% YoY -7.4% QoQ
+2.37% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
Bottom 3.2% in tier
Tier 1 Capital Ratio ? 14.40%
+4.0% YoY +0.1% QoQ
-1.51% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
61%
Non-Interest Income / Assets ? 0.16%
-6.9% YoY +61.8% QoQ
-0.41% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
38%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Noninterest-Bearing 14.8%
-0.5pp YoY
+0.3pp QoQ
 -7.4pp 22.1% 18.8% 22.2% 23%
Brokered Deposits n/a n/a 7.9% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 5.5%
+1.5pp YoY
+0.2pp QoQ
 -6.1pp 11.6% 10.9% 12.5% 23%
CRE 30.7%
-6.4pp YoY
-1.5pp QoQ
 -8.8pp 39.5% 42.4% 41.4% 36%
1-4 Family 58.4%
+3.1pp YoY
+0.7pp QoQ
 +25.7pp 32.6% 39.8% 31.3% 88%
Consumer 4.0%
+1.5pp YoY
-0.1pp QoQ
 -0.1pp 4.1% 4.5% 5.0% 70%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 14.4%
+0.6pp YoY
0.0pp QoQ
 -4.4pp 18.8% 14.8% 19.7% 43%
Leverage Ratio 9.6%
+0.2pp YoY
-0.1pp QoQ
 -2.6pp 12.2% 11.4% 12.6% 23%
Total Capital Ratio 15.7%
+0.5pp YoY
0.0pp QoQ
 -4.3pp 19.9% 15.9% 20.8% 44%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 21
-2 (-8.7%) YoY
-4 (-16.0%) QoQ
 -38 58 270 482 12%
Assets per Employee ($) $9.0M
+11.3% YoY
+20.6% QoQ
 +$1.4M $7.5M $7.1M $8.8M 79%
Branch Count 2
0 YoY
0 QoQ
 -3 4 17 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 2.7%
+0.1pp YoY
-0.2pp QoQ
 +1.8pp 0.9% 0.7% 1.0% 93%
Allowance Coverage 0.39x
0.0% YoY
+0.9% QoQ
 -23.77x 24.15x 28.97x 20.23x 6%
Net Charge-off Rate (YTD) 0.2%
-0.3pp YoY
+0.3pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 85%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 2.4%
+1.5pp YoY
-2.0pp QoQ
 -9.8pp 12.2% 10.9% 11.6% 7%
Cost of Funds (YTD) 2.6%
-0.3pp YoY
0.0pp QoQ
 +0.8pp 1.7% 2.0% 1.7% 91%
Net Income ($, YTD) $206,000
+182.2% YoY
— QoQ
 -$2.3M $2.6M $16.7M $40.4M 5%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Deposit Outflow

decline
#72 of 535 • Bottom 13.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#202 of 691 • Bottom 29.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 101.33%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Constraint

risk
#63 of 107 • Bottom 57.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 101.33%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 14.40%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2560
Nonperforming Asset Ratio
credit_quality
Value: 3.04%
Peer Median: 0.67%
#2560 of 2643 Bottom 3.2% in $100M-$1B
2485
Return on Assets
profitability
Value: 0.22%
Peer Median: 1.32%
#2485 of 2643 Bottom 6.0% in $100M-$1B
2443
Delinquency Rate
credit_quality
Value: 2.75%
Peer Median: 0.92%
#2443 of 2633 Bottom 7.3% in $100M-$1B
2448
Efficiency Ratio
profitability
Value: 87.81%
Peer Median: 64.48%
#2448 of 2643 Bottom 7.4% in $100M-$1B
2420
Loan-to-Deposit Ratio
liquidity
Value: 101.33%
Peer Median: 77.95%
#2420 of 2643 Bottom 8.5% in $100M-$1B
2039
Total Deposits
size
Value: $156.45M
Peer Median: $326.73M
#2039 of 2643 Bottom 22.9% in $100M-$1B
2025
Non-Interest-Bearing Deposit Share
funding
Value: 14.78%
Peer Median: 22.03%
#2025 of 2643 Bottom 23.4% in $100M-$1B
2025
Total Assets
size
Value: $188.06M
Peer Median: $386.57M
#2025 of 2643 Bottom 23.4% in $100M-$1B
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