Citizens Tri-County Bank
Total assets
$1.64B
▲ +5.8% YoY
Deposits
$1.48B
▲ +4.9% YoY
Loans
$1.06B
▲ +10.0% YoY
Offices
24
SEQUATCHIE VALLEY BANCSHARES
ROA (annualized)
1.85%
peers 1.26%
ROE (annualized)
21.38%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +5.5% | +0.3 pts |
| Deposit growth (YoY) | +4.9% | +5.1% | -0.1 pts |
| Loan growth (YoY) | +10.0% | +5.9% | +4.1 pts |
| ROA | 1.85% | 1.26% | +0.6 pts |
| ROE | 21.4% | 12.2% | +9.2 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
Profile
- Established
- 1972
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SEQUATCHIE VALLEY BANCSHARES
- Specialization
- Commercial Lending Specialization
- Address
- 15699 Rankin Ave, Dunlap, TN, 37327
- County
- Sequatchie
- Metro area
- Chattanooga, TN-GA
- Offices
- 24
- FDIC cert #
- 20818
- RSSD ID
- 162337
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.64B | $1.48B | $1.06B | $148.5M | $15.1M | 1.85% | 3.76% | 0.68% |
| Q1 2026 | $1.65B | $1.50B | $1.05B | $140.7M | $7.4M | 1.82% | 3.65% | 0.59% |
| Q4 2025 | $1.59B | $1.45B | $1.06B | $134.1M | $28.6M | 1.85% | 3.78% | 0.50% |
| Q3 2025 | $1.55B | $1.39B | $993.2M | $138.7M | $20.9M | 1.82% | 3.74% | 0.53% |
| Q2 2025 | $1.55B | $1.41B | $961.1M | $128.5M | $13.6M | 1.79% | 3.67% | 0.55% |
| Q1 2025 | $1.53B | $1.39B | $929.2M | $125.3M | $6.3M | 1.68% | 3.52% | 0.53% |
| Q4 2024 | $1.48B | $1.35B | $922.5M | $117.8M | $24.6M | 1.74% | 3.57% | 0.50% |
| Q3 2024 | $1.46B | $1.32B | $906.2M | $122.2M | $17.7M | 1.69% | 3.51% | 0.50% |
Loan mix (Q2 2026): real estate $854.9M · commercial $63.8M · consumer $83.1M · securities $193.8M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Citizens Tri-County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.26% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 21.4% | 12.2% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.70% | 53th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 59.0% | 36th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Citizens Tri-County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Citizens Tri-County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Citizens Tri-County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Citizens Tri-County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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