BlastPoint's Banking Scorecard
Citizens National Bank
Community
Specialty: Commercial
TN
FDIC cert 20954
Sevierville, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Citizens National Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 32% in Community
- + Credit Quality Leader: Top 46% in Community
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Community
- - Credit Risk Growth: Bottom 16% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+1.9% YoY
+2.0% QoQ
|
+$573.5M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.3B
+5.3% YoY
-1.9% QoQ
|
+$308.8M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.7B
-0.3% YoY
+1.5% QoQ
|
+$584.2M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
1.86%
+22.7% YoY
+9.1% QoQ
|
+0.70% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.36%
+10.1% YoY
+2.1% QoQ
|
-0.30% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
46.77%
-11.5% YoY
-3.4% QoQ
|
-15.87% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.01%
+87.5% YoY
-74.6% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
73.44%
+5.7% YoY
-3.3% QoQ
|
-9.63% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
20.04%
-2.0% YoY
+1.0% QoQ
|
-1.01% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.01%
+93.9% YoY
-75.6% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
15.07%
+9.5% YoY
+5.3% QoQ
|
+4.83% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.53%
+7.2% YoY
+48.1% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#119 of 371 · Top 32% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.86%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Credit Quality Leader
growth
#171 of 371 · Top 46% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Credit Quality Pressure
risk
#3 of 808 · Bottom 1% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#102 of 642 · Bottom 16% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
90
90th pctile
Efficiency Ratio
Current: 46.77% · Tier avg: 62.63%
88
88th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.16%
81
81th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
76
76th pctile
Tier 1 Capital Ratio
Current: 15.07% · Tier avg: 10.24%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.44% · Tier avg: 83.06%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.04% · Tier avg: 21.05%
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
Top Weaknesses
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.04% · Tier avg: 21.05%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.44% · Tier avg: 83.06%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.07% · Tier avg: 10.24%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
81
81th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
88
88th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.16%
90
90th pctile
Efficiency Ratio
Current: 46.77% · Tier avg: 62.63%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%