BlastPoint's Banking Scorecard
Citizens National Bank
Designations: ✓ Community bank
Sevierville, TN
21 branches across TN
Citizens National Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 32.1% in tier
- + Credit Quality Leader: Top 44.5% in tier
- + Efficiency Ratio 17.62% below tier average
- + Nonperforming Asset Ratio 0.65% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.1% in tier
- - Credit Risk Growth: Bottom 23.3% in tier
- - Net Interest Margin 0.38% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+3.9% YoY
-0.3% QoQ
|
-$855.9M |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$1.3B
+6.5% YoY
+2.6% QoQ
|
-$647.3M |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$1.7B
+2.9% YoY
-0.0% QoQ
|
-$594.5M |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
52% |
| Return on Assets ? |
1.94%
+27.1% YoY
+4.2% QoQ
|
+0.58% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
Top 11.7% in tier |
| Net Interest Margin ? |
3.44%
+10.0% YoY
+2.4% QoQ
|
-0.38% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
43.44%
-15.3% YoY
-7.1% QoQ
|
-17.62% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
Top 9.6% in tier |
| Delinquency Rate ? |
0.03%
+407.1% YoY
+166.5% QoQ
|
-0.86% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Top 5.1% in tier |
| Loan-to-Deposit Ratio ? |
75.34%
+3.5% YoY
+2.6% QoQ
|
-8.86% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
19.00%
-5.0% YoY
-5.2% QoQ
|
-2.29% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.02%
+419.7% YoY
+174.1% QoQ
|
-0.65% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
Top 4.9% in tier |
| Tier 1 Capital Ratio ? |
14.84%
+6.6% YoY
-1.5% QoQ
|
-0.32% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.11%
+8.1% YoY
-78.4% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
38% |
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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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.