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BankSonar

Citizens Bank

Carthage, TN · State, non-member commercial bank

70

Sonar Score

Stable

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$834.4M
Total deposits
$724.4M
Branches
7
Return on assets
2.03%
Return on equity
15.60%
Charter type
State, non-member commercial bank
Established
1929
FDIC cert #
893

How the 70 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Strong returns on its asset base.

Return on equityweight 15%

Efficient use of shareholder capital.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at Citizens Bank

Citizens Bank is an FDIC-insured institution (Cert #893). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

7 branch locations

530 Gordonsville Hwy

Gordonsville, TN 38563

70 Cookeville Hwy

Carthage, TN 37030

61 Dixon Springs Hwy

Carthage, TN 37030

577 W Bockman Way

Sparta, TN 38583

51 E Jackson St

Cookeville, TN 38501

325 N Spring St

Sparta, TN 38583

407 Main St N

Carthage, TN 37030

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