Citizens Bank is a bank based in Carthage, Tennessee, established in 1929, with $834 million in total assets across 7 branches. By Trust Grade it ranks 30th of 109 banks we track in Tennessee. Its capital ratio of 12.5% is stronger than 77% of similarly sized banks, versus a Tennessee median of 9.8%. It was profitable over the most recent period, with a 2.03% return on assets. No consumer complaints against Citizens Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens Bank compares to Tennessee peers
How we graded Citizens Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.5% capital ratio)
- Strongly profitable (ROA 2.03%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 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
Are deposits at Citizens Bank insured?
Yes. Citizens Bank is an FDIC-insured bank (FDIC certificate #893). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Citizens Bank: frequently asked questions
Is Citizens Bank a good bank?
Citizens Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.5% capital ratio); Strongly profitable (ROA 2.03%).
Is Citizens Bank FDIC-insured?
Yes. Citizens Bank is a FDIC-insured bank (FDIC certificate #893). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens Bank?
Citizens Bank holds $834 million in total assets, ranking 30th of 109 banks we track in Tennessee. It operates 7 branches.
Does Citizens Bank have CFPB complaints?
No CFPB complaints against Citizens Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
