Total Assets
$1.6B
Total Deposits
$1.5B
Branches
24
Established
1972
Citizens Tri-County Bank is a bank headquartered in Dunlap, Tennessee, established in 1972. It holds $1.6B in total assets across 24 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Citizens Tri-County Bank earns a TFS Financial Health Grade of B (80.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
80.3 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Citizens Tri-County BankHQ | 15699 Rankin Ave | Dunlap | TN | 11 |
| Citizens Tri-County Bank | 1548 Main St | Altamont | TN | 11 |
| Citizens Tri-County Bank | 25709 State Route 56 | Coalmont | TN | 23 |
| Citizens Tri-County Bank | 105 Front St S | Cowan | TN | 11 |
| Citizens Tri-County Bank | 2030 Decherd Blvd | Decherd | TN | 11 |
| Citizens Tri-County Bank | State Highway 28 And Us Highway 127 | Dunlap | TN | 23 |
| Citizens Tri-County Bank | 36 Resource Road, Industrial Park | Dunlap | TN | 23 |
| Citizens Tri-County Bank | 4765 Main St | Jasper | TN | 11 |
| Citizens Tri-County Bank | 861 Mcarthur St | Manchester | TN | 11 |
| Citizens Tri-County Bank | 1100 New Smithville Hwy, Suite 700 | Mcminnville | TN | 11 |
| Citizens Tri-County Bank | 101 W Main St | Mcminnville | TN | 11 |
| Citizens Tri-County Bank | 900 Beersheba Hwy | Mc Minnville | TN | 23 |
| Citizens Tri-County Bank | 80 E Main St | Monteagle | TN | 11 |
| Citizens Tri-County Bank | 5248 Manchester Hwy | Morrison | TN | 11 |
| Citizens Tri-County Bank | 711 Main St | Palmer | TN | 11 |
| Citizens Tri-County Bank | 3468 Main St | Pikeville | TN | 11 |
| Citizens Tri-County Bank | 1306 Taft Hwy | Signal Mountain | TN | 11 |
| Citizens Tri-County Bank | 8575 Dayton Pike | Soddy Daisy | TN | 11 |
| Citizens Tri-County Bank | 402 N Cedar Ave | South Pittsburg | TN | 11 |
| Citizens Tri-County Bank | 489 Spring St | Spencer | TN | 11 |
| Citizens Tri-County Bank | 416 Railroad Avenue | Tracy City | TN | 11 |
| Citizens Tri-County Bank | Oak And Colyar Streets | Tracy City | TN | 11 |
| Citizens Tri-County Bank | 201 N Jackson St | Tullahoma | TN | 11 |
| Citizens Tri-County Bank | 14087 Highway 28 | Whitwell | TN | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
80.3
Tier 1 capital ratio
9.34%
Return on assets
1.85%
Non-performing loans
0.75%
Efficiency ratio
54.31%
Asset growth (YoY)
5.77%
Suggested direct comparisons
Nashville, TN
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.