Institution profile

Citizens Tri-County Bank

Bank · Active · Headquarters: Dunlap, TN

Profile data observed August 5, 2026

Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name: Citizens Tri-County Bank
Display name: Citizens Tri-County Bank
Institution status: Active
FDIC insured: Yes
FDIC insured since: October 2, 1972
Established date: October 2, 1972
Charter class: State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
Primary federal regulator: Federal Deposit Insurance Corporation
Headquarters: Dunlap, TN, 37327, United States
Website: https://www.ctcbonline.com
FDIC certificate number: 20818
Federal Reserve RSSD ID: 162337
Domestic location count: 24
Source observed: August 5, 2026

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status: ACTIVE
Primary federal regulator: FDIC
Institution type: Non-member Bank
Primary activity: NAICS 52211
FDIC certificate: 20818
Federal Reserve RSSD ID: 162337
LEI: 549300RUFHC5ZQDL8J10
Headquarters: 15699 Rankin Avenue, Dunlap, TN, 37327, United States
Primary deposit insurer: Deposit Insurance Fund (DIF)
Source observed: August 19, 2026

Branch network

Listed locations

Showing 1 through 23 of 23 listed locations

StateCity or branch

Scroll sideways to see every branch column.

Showing 1 through 23 of 23 FFIEC NIC branch locations
Branch	Address	City	State	Postal code
ALTAMONT BRANCH	1548 Main Street	Altamont	TN	37301
COALMONT BRANCH	25709 SR 56	Coalmont	TN	37313
COWAN BRANCH	105 South Front Street	Cowan	TN	37318
DECHERD BRANCH	2030 Decherd Boulevard	Decherd	TN	37324
INDUSTRIAL PARK BRANCH	92 Resource Road	Dunlap	TN	37327
SOUTH DUNLAP MOTOR BRANCH	7312 SR 28	Dunlap	TN	37327
JASPER OFFICE	4765 Main Street	Jasper	TN	37347
MANCHESTER	861 Mcarthur Street	Manchester	TN	37355
MCMINNVILLE MAIN OFFICE	101 West Main Street	Mcminnville	TN	37110
MCMINNVILLE PLAZA OFFICE	1100 Smithville Highway, Suite 700	Mcminnville	TN	37110
MOUNT LEO OFFICE	900 Beersheba Highway	Mcminnville	TN	37110
MONTEAGLE BRANCH	143 College Street	Monteagle	TN	37356
MORRISON BRANCH	5248 Manchester Hwy	Morrison	TN	37357
PALMER BRANCH	711 Main Street	Palmer	TN	37365
PIKEVILLE BRANCH	3468 Main Street	Pikeville	TN	37367
SIGNAL MOUNTAIN OFFICE	1306 Taft Highway	Signal Mountain	TN	37377
SODDY DAISY OFFICE	8575 Dayton Pike	Soddy Daisy	TN	37379
SOUTH PITTSBURG OFFICE	402 North Cedar Avenue	South Pittsburg	TN	37380
SPENCER BRANCH	489 Spring Street	Spencer	TN	38585
TRACY CITY BRANCH	26 Oak & Colyar Street	Tracy City	TN	37387
TRACY CITY DEPOT OFFICE	481 Railroad Avenue	Tracy City	TN	37387
TULLAHOMA MAIN OFFICE	201 North Jackson Street	Tullahoma	TN	37388
WHITWELL OFFICE	14087 Hwy 28 North	Whitwell	TN	37397

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating: Satisfactory
Exam date: March 1, 2025
Regulator: FDIC
Examination method: Intermediate Small Bank

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

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Historical CRA evaluations
Exam date	CRA rating	Regulator	Examination method
March 1, 2025	Satisfactory	FDIC	Intermediate Small Bank
March 1, 2022	Outstanding	FDIC	Intermediate Small Bank
November 1, 2018	Outstanding	FDIC	Intermediate Small Bank
November 1, 2015	Outstanding	FDIC	Intermediate Small Bank
March 1, 2013	Satisfactory	FDIC	Intermediate Small Bank
October 1, 2009	Satisfactory	FDIC	Intermediate Small Bank
June 1, 2006	Satisfactory	FDIC	Intermediate Small Bank
October 1, 2003	Satisfactory	FDIC	Small Bank
September 1, 1998	Satisfactory	FDIC	Small Bank
November 1, 1995	Satisfactory	FDIC	Not Reported
January 1, 1995	Satisfactory	FDIC	Not Reported
October 1, 1992	Satisfactory	FDIC	Not Reported

Read the methodology

Institutional history

4 FFIEC NIC history events

Showing 1 through 4 of 4 history events

FFIEC NIC institutional history events
Event date	Event type	Related institution
August 29, 2016	Charter Discontinued (Merger or Purchase & Assumption)	—
July 16, 2011	Charter Discontinued (Merger or Purchase & Assumption)	—
August 26, 2006	Charter Discontinued (Merger or Purchase & Assumption)	—
May 18, 1984	Failure - Government Assistance Provided	BLEDSOE COUNTY BANK

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC-reported organizational relationships

2 FFIEC NIC relationship records

Showing 1 through 2 of 2 relationship records

FFIEC NIC organizational relationships
Relationship	Institution	Type	Location
Direct relationship	SEQUATCHIE LIFE INSURANCE COMPANY	Domestic Entity Other	Crossville, TN
ROOT_INSTITUTION	CITIZENS TRI-COUNTY BANK	Non-member Bank	Dunlap, TN

These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type: FDIC-insured state-chartered nonmember bank