Citizens Community Bank: how it compares with its peers
Against 51 TN banks with half to twice its assets, Citizens Community Bank's strongest measure in Q2 2026 is efficiency ratio (39.82% vs. a 67.88% peer median). Its weakest relative measure is net interest margin (4.28% vs. 4.00%).
| Measure | Citizens Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.79% | 1.01% | Top third Ahead of 86% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.28% | 4.00% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.82% | 67.88% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $6.2M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.53% | 83.29% | Context |
What it means for lending operations
Its efficiency ratio of 39.82% is better than the 67.88% 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
- Community Bank Lexington, TN · $358M
- The First National Bank of Oneida Oneida, TN · $368M
- Traditions First Bank Erin, TN · $337M
- Tower Community Bank Jasper, TN · $375M
- Elizabethton Federal Savings Bank Elizabethton, TN · $326M
- Decatur County Bank Decaturville, TN · $326M
Questions about Citizens Community Bank
How big is Citizens Community Bank?
Citizens Community Bank, established in 1992, is headquartered in Winchester, TN. It reported $353M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Citizens Community Bank's return on assets?
1.79% annualized in Q2 2026, against a 1.01% median for 51 TN banks with half to twice its assets, ahead of 86% of them.
What is Citizens Community Bank's efficiency ratio?
39.82% in Q2 2026: it spent about 40 cents in noninterest expense for each dollar of revenue. The peer median is 67.88%, and lower is better.
Is Citizens Community Bank growing its loans?
Net loans grew 7.0% over the year to Q2 2026, while deposits shrank 1.6%.
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.