Citizens Tri-County Bank: how it compares with its peers
Against 33 TN banks with half to twice its assets, Citizens Tri-County Bank's strongest measure in Q2 2026 is return on assets (1.85% vs. a 1.27% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $7.4M).
| Measure | Citizens Tri-County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.85% | 1.27% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.76% | 3.89% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.31% | 56.71% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $7.4M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.57% | 80.38% | Context |
What it means for lending operations
Its efficiency ratio of 54.31% is better than the 56.71% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- One Bank of Tennessee Cookeville, TN · $1.67B
- Security Bank and Trust Company Paris, TN · $1.70B
- First Farmers and Merchants Bank Columbia, TN · $1.76B
- First National Bank of Pulaski Pulaski, TN · $1.50B
- Apex Bank Camden, TN · $1.46B
- Wellworth Bank Lafayette, TN · $1.84B
Questions about Citizens Tri-County Bank
How big is Citizens Tri-County Bank?
Citizens Tri-County Bank, established in 1972, is headquartered in Dunlap, TN. It reported $1.64B in total assets in its Q2 2026 FDIC call report and operates 24 offices.
What is Citizens Tri-County Bank's return on assets?
1.85% annualized in Q2 2026, against a 1.27% median for 33 TN banks with half to twice its assets, ahead of 73% of them.
What is Citizens Tri-County Bank's efficiency ratio?
54.31% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 56.71%, and lower is better.
Is Citizens Tri-County Bank growing its loans?
Net loans grew 10.0% over the year to Q2 2026, while deposits grew 4.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.