BlastPoint

BlastPoint's Banking Scorecard

Citizens Tri-County Bank

$1B-$10B Specialty: Commercial TN FDIC cert 20818

Designations: ✓ Community bank

Dunlap, TN

24 branches across TN

884 banks in the $1B-$10B peer group nationally 28 in TN
View $1B-$10B leaderboard (TN) →

Citizens Tri-County Bank has 3 strengths but faces 2 concerns

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

  • + ROA 0.45% above tier average
  • + Efficiency Ratio 6.87% below tier average
  • + Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 36.2% in tier
  • - Net Interest Margin 0.16% below tier average
Get updates when Citizens Tri-County Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $1.7B
+8.4% YoY +3.7% QoQ
-$1.2B $2.8B
-0.1% YoY
$2.8B
+35.7% YoY
$6.2B
+9.1% YoY
41%
Total Loans ? $1.0B
+12.8% YoY -1.1% QoQ
-$916.4M $2.0B
+0.6% YoY
$2.0B
+36.6% YoY
$3.2B
+10.8% YoY
34%
Total Deposits ? $1.5B
+8.1% YoY +3.6% QoQ
-$844.5M $2.3B
-0.3% YoY
$2.4B
+35.2% YoY
$4.8B
+8.2% YoY
45%
Return on Assets ? 1.82%
+8.5% YoY -2.0% QoQ
+0.45% 1.37%
+19.6% YoY
1.12%
+20.1% YoY
1.23%
+13.4% YoY
85%
Net Interest Margin ? 3.65%
+3.8% YoY -3.4% QoQ
-0.16% 3.82%
+6.9% YoY
3.93%
+7.0% YoY
3.89%
+5.7% YoY
51%
Efficiency Ratio ? 54.19%
-3.5% YoY -0.8% QoQ
-6.87% 61.06%
-4.6% YoY
66.13%
-5.5% YoY
66.95%
-4.1% YoY
66%
Delinquency Rate ? 0.65%
-11.3% YoY +34.0% QoQ
-0.24% 0.89%
+14.1% YoY
0.68%
+13.4% YoY
0.95%
+18.8% YoY
43%
Loan-to-Deposit Ratio ? 69.95%
+4.4% YoY -4.5% QoQ
-14.26% 84.20%
+0.3% YoY
79.84%
+2.1% YoY
76.70%
+0.9% YoY
83%
Non-Interest-Bearing Deposit Share ? 18.45%
-4.8% YoY -6.9% QoQ
-2.83% 21.29%
-2.5% YoY
18.48%
-3.8% YoY
22.01%
-1.2% YoY
42%
Nonperforming Asset Ratio ? 0.59%
+9.9% YoY +16.7% QoQ
-0.09% 0.67%
+15.6% YoY
0.56%
+16.1% YoY
0.67%
+19.3% YoY
38%
Tier 1 Capital Ratio ? 9.13%
-0.8% YoY +0.9% QoQ
-6.03% 15.16%
+2.0% YoY
14.23%
-1.0% YoY
17.06%
+0.8% YoY
Bottom 0.9% in tier
Non-Interest Income / Assets ? 0.14%
+6.2% YoY -74.9% QoQ
-0.12% 0.26%
+1.6% YoY
0.17%
-1.0% YoY
0.32%
+4.1% YoY
47%

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 (1)

Capital Thin

risk
#81 of 221 • Bottom 36.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.13%
(Tier: 15.16%, National: 17.06%)
worse than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

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 884 peers in $1B-$10B

Top Strengths (2 metrics)

138
Return on Assets
profitability
Value: 1.82%
Peer Median: 1.37%
#138 of 884 Top 15.5% in $1B-$10B
148
Loan-to-Deposit Ratio
liquidity
Value: 69.95%
Peer Median: 84.20%
#148 of 884 Top 16.6% in $1B-$10B

Top Weaknesses (1 metrics)

877
Tier 1 Capital Ratio
capital
Value: 9.13%
Peer Median: 15.16%
#877 of 884 Bottom 0.9% in $1B-$10B
Powered by BlastPoint © 2026