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BDI
CT

Citizens Tri-County Bank

Dunlap, TennesseeFDIC Cert #20818

STATEEstablished 197224 branches

Holding company: SEQUATCHIE VALLEY BANCSHARESRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.66%
+7.5%y/y
Peer standing28th percentile
Peer standing in ubpr:primary:4
FDICP3ASSET + LNLSGR
90+ %
0.01%
−32.5%y/y
Peer standing34th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + LNLSGR
Nonaccrual %
0.63%
−10.6%y/y
Peer standing40th percentile
Peer standing in ubpr:primary:4
FDICNAASSET + LNLSGR
Noncurrent %
0.64%
−11.1%y/y
Peer standing42nd percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.59%
+9.9%y/y
Peer standing39th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$9.7M
+19.0%y/y
Peer standing40th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.01%
−172.4%y/y
Peer standing89th percentile
Peer standing in ubpr:primary:4
FDICNTLNLS + LNLSGR
NCO
−$24K
−180.0%y/y
Peer standing89th percentile
Peer standing in ubpr:primary:4
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.65%
−11.8%y/y
Percentile by value90th percentileby value
Peer standing in ubpr:primary:4
FDICLNATRES + LNLSGR
30–89
$7.05M
+21.0%y/y
Peer standing32nd percentile
Peer standing in ubpr:primary:4
FDICP3ASSET
90+
$111K
−24.0%y/y
Peer standing34th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET
Nonaccrual
$6.73M
+0.6%y/y
Peer standing44th percentile
Peer standing in ubpr:primary:4
FDICNAASSET