BlastPoint

BlastPoint's Banking Scorecard

Citizens National Bank

$1B-$10B Specialty: Commercial TN FDIC cert 20954

Designations: ✓ Community bank

Sevierville, TN

21 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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
  • Deposits +2.4% year over year ($1.7B on the books).
  • Delinquency rate 0.05%.
  • Return on assets 2.00%.
  • Efficiency ratio 42.73% vs a 59.73% peer average.
  • Loan-to-deposit ratio 75.49% vs a 85.04% peer average.

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

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

Citizens National Bank has 4 strengths but faces 3 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

  • + Profitability Leader: Top 34.7% in tier
  • + Credit Quality Leader: Top 42.5% in tier
  • + Efficiency Ratio 17.00% below tier average
  • + Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 2.8% in tier
  • - Credit Risk Growth: Bottom 9.2% in tier
  • - Net Interest Margin 0.37% below tier average
Get updates when Citizens National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $2.0B
+3.4% YoY -0.1% QoQ
-$834.8M $2.8B
-0.6% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $1.3B
+4.2% YoY -0.2% QoQ
-$647.7M $2.0B
-0.3% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $1.7B
+2.4% YoY -0.4% QoQ
-$576.3M $2.3B
-0.5% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 2.00%
+19.5% YoY +3.3% QoQ
+0.61% 1.39%
+17.0% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
Top 11.6% in tier
Net Interest Margin ? 3.50%
+9.1% YoY +1.7% QoQ
-0.37% 3.87%
+6.2% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
37%
Efficiency Ratio ? 42.73%
-12.6% YoY -1.6% QoQ
-17.00% 59.73%
-12.6% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
Top 9.5% in tier
Delinquency Rate ? 0.05%
+48.3% YoY +37.3% QoQ
-0.82% 0.87%
+11.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
Top 7.4% in tier
Loan-to-Deposit Ratio ? 75.49%
+1.8% YoY +0.2% QoQ
-9.54% 85.04%
-0.1% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
76%
Non-Interest-Bearing Deposit Share ? 19.94%
-5.8% YoY +4.9% QoQ
-1.33% 21.27%
-1.5% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
51%
Nonperforming Asset Ratio ? 0.03%
+49.4% YoY +37.1% QoQ
-0.64% 0.67%
+11.7% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
Top 6.9% in tier
Tier 1 Capital Ratio ? 15.08%
+6.2% YoY +1.6% QoQ
+0.24% 14.84%
-0.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.24%
-2.9% YoY +108.2% QoQ
-0.29% 0.53%
+2.5% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
39%

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 19.9%
-1.2pp YoY
+0.9pp QoQ
 -1.4pp 21.4% 18.8% 22.2% 51%
Brokered Deposits n/a n/a 9.5% 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 7.0%
-0.4pp YoY
-0.7pp QoQ
 -7.0pp 14.0% 10.9% 12.5% 28%
CRE 75.8%
+1.5pp YoY
+0.7pp QoQ
 +25.7pp 50.0% 42.4% 41.4% 94%
1-4 Family 18.2%
-0.9pp YoY
+0.1pp QoQ
 -8.3pp 26.4% 39.8% 31.3% 38%
Consumer 0.4%
0.0pp YoY
0.0pp QoQ
 -4.3pp 4.7% 4.5% 5.0% 27%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 15.1%
+0.9pp YoY
+0.2pp QoQ
 -0.5pp 15.6% 14.8% 19.7% 70%
Leverage Ratio 11.2%
+0.6pp YoY
+0.4pp QoQ
 -0.1pp 11.3% 11.4% 12.6% 63%
Total Capital Ratio 16.3%
+1.0pp YoY
+0.2pp QoQ
 -0.4pp 16.7% 15.9% 20.8% 70%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 189
-25 (-11.7%) YoY
-11 (-5.5%) QoQ
 -125 313 270 482 37%
Assets per Employee ($) $10.4M
+17.1% YoY
+5.7% QoQ
 -$120K $10.5M $7.1M $8.8M 69%
Branch Count 21
-2 (-8.7%) YoY
0 QoQ
 +1 20 17 18 68%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 60%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.8% 0.7% 1.0% 0%
Allowance Coverage 27.47x
-26.6% YoY
-25.7% QoQ
 +8.76x 18.71x 28.97x 20.23x 95%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 25%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 20.8%
+0.8pp YoY
+0.5pp QoQ
 +8.2pp 12.6% 10.9% 11.6% 92%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.9% 2.0% 1.7% 43%
Net Income ($, YTD) $19.6M
+23.1% YoY
— QoQ
 +$404K $19.2M $16.7M $40.4M 69%

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 (2)

Profitability Leader

growth
#78 of 222 • Top 34.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.00%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Quality Leader

growth
#95 of 221 • Top 42.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#15 of 492 • Bottom 2.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#38 of 402 • Bottom 9.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 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 885 peers in $1B-$10B

Top Strengths (5 metrics)

62
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#62 of 885 Top 6.9% in $1B-$10B
66
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.87%
#66 of 882 Top 7.4% in $1B-$10B
85
Efficiency Ratio
profitability
Value: 42.73%
Peer Median: 59.73%
#85 of 885 Top 9.5% in $1B-$10B
104
Return on Assets
profitability
Value: 2.00%
Peer Median: 1.39%
#104 of 885 Top 11.6% in $1B-$10B
215
Loan-to-Deposit Ratio
liquidity
Value: 75.49%
Peer Median: 85.04%
#215 of 885 Top 24.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026