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BDI
CB

Citizens Bank

Elizabethton, TennesseeFDIC Cert #14851

STATEEstablished 193414 branches

Holding company: CITCO COMMUNITY BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$1.07B$916M
Q3 2021$1.04B$895M
Q4 2021$1.07B$909M
Q1 2022$1.08B$916M
Q2 2022$1.09B$922M
Q3 2022$1.14B$911M
Q4 2022$1.19B$967M
Q1 2023$1.21B$984M
Q2 2023$1.17B$984M
Q3 2023$1.17B$989M
Q4 2023$1.22B$1.03B
Q1 2024$1.24B$1.05B
Q2 2024$1.23B$1.02B
Q3 2024$1.23B$1.04B
Q4 2024$1.27B$1.08B
Q1 2025$1.31B$1.11B
Q2 2025$1.32B$1.12B
Q3 2025$1.34B$1.15B
Q4 2025$1.35B$1.14B
Q1 2026$1.4B$1.16B

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$1.4B
+7.2%y/y
Percentile by value41st percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICASSET
Deposits
$1.16B
+4.6%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICDEP
Gross loans
$1.12B
+10.3%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSGR
Net loans
$1.11B
+10.4%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET
Securities
$208M
+8.1%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICSC
Cash
$20.8M
−23.5%y/y
Percentile by value7th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICCHBAL
Liabilities
$1.22B
+7.9%y/y
Percentile by value38th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLIAB
Equity
$175M
+2.4%y/y
Peer standing58th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$19.6M
+14.5%y/y
Peer standing66th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM + NONII
NII
$14.3M
+17.7%y/y
Peer standing57th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM
Noninterest income
$5.27M
+6.7%y/y
Peer standing87th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONII
Provision
$986K
+444.8%y/y
Percentile by value82nd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICELNATR
Pretax income
$7.26M
+20.8%y/y
Peer standing66th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICPTAXNETINC
Net income
$6.28M
+22.2%y/y
Peer standing68th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNETINC