Citizens Tri-County Bank
Dunlap, TN · Owner: Sequatchie Valley Bancshares
$1.6B
total assets, June 30, 2026
$1.6B
total assets, June 30, 2026
Citizens Tri-County Bank is a state nonmember bank based in Dunlap, TN, owned by Sequatchie Valley Bancshares. As of June 30, 2026 it held $1.6 billion in assets and $1.5 billion in deposits; assets were up 5.8% from a year before. It has 24 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.6B
+5.8% in a year · -0.8% in a quarter
Deposits
$1.5B
+4.9% in a year · -1.4% in a quarter
Loans
$1.1B
+9.8% in a year · +0.8% in a quarter
Profit so far
$15.1M
Jan 1 to Jun 30, 2026 · +10.6% in a year
Capital ratio
9.34%
+0.31 pts in a year
Return on assets
1.85%
+0.06 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 15699 Rankin Ave, Dunlap, TN, 37327
- County
- Sequatchie
- Holding company
- Sequatchie Valley Bancshares
- Established
- Oct 2, 1972
- Employees
- 301
- Branches
- 24
- Website
- www.ctcbonline.com
- Id
- b20818
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
24 offices as of June 30, 2026, holding $1.5 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Tennessee | 24 | $1.5B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Citizens Tri-County Bank (main office) | Dunlap, TN | $274M |
| Bledsoe Branch | Pikeville, TN | $118M |
| Tullahoma Branch | Tullahoma, TN | $117M |
| Warren Branch | Mcminnville, TN | $115M |
| Decherd Branch | Decherd, TN | $109M |
| Jasper Branch | Jasper, TN | $94.7M |
| Altamont Branch | Altamont, TN | $82.9M |
| Soddy Daisy Branch | Soddy Daisy, TN | $80.7M |
| Signal Mountain Branch | Signal Mountain, TN | $76.0M |
| Spencer Branch | Spencer, TN | $75.6M |
Related pages
Questions and answers
How big is Citizens Tri-County Bank?
$1.6 billion in total assets and $1.5 billion in deposits as of June 30, 2026, with assets up 5.8% from a year before. Its loans were $1.1 billion.
How many branches does Citizens Tri-County Bank have?
24 branches in Tennessee as of June 30, 2026.
Is Citizens Tri-County Bank profitable?
Yes: it earned $15.1 million from January 1 to June 30, 2026 (up 10.6% from the same months a year before). Its return on assets was 1.85% a year; about 1% is typical.
Who owns Citizens Tri-County Bank?
Citizens Tri-County Bank is owned by Sequatchie Valley Bancshares, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.