Citizens Tri-county Bank Mortgage Rates, Fees & Info

Dunlap, TN

LEI: 549300RUFHC5ZQDL8J10

Tax ID: 62-0875633

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Citizens Tri-county Bank is a smaller bank specializing in Home Purchase, Cash Out Refi, and Refi loans. Citizens Tri-county Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Chattanooga, Tullahoma, Mcminnville, Nashville, and Dayton among others. We have data for 19 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Tri-county Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Citizens Tri-county Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.54% 12/16/24
    30 Year Conventional Refi 6.50% 12/16/24
    30 Year Cash-out Refi 6.82% 12/16/24
    30 Year FHA Purchase 6.27% 12/16/24
    30 Year VA Purchase 6.02% 12/16/24
    30 Year USDA Purchase 6.68% 12/16/24
    15 Year Conventional Purchase 7.72% 12/16/24
    15 Year Conventional Refi 7.71% 12/16/24
    15 Year Cash-out Refi 7.71% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Citizens Tri-county Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Citizens Tri-county Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    859

    Origination Dollar Volume (All Markets)

    $119,585,000

    Employee count

    286

    Awards

    Citizens Tri-County Bank 30 Year Conventional Loans silver Citizens Tri-County Bank 30 Year Conventional Loans silver Citizens Tri-County Bank 30 Year Conventional Loans gold
    Show all (3) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 341 $50,635,000 $148,490 $2,016 4.83%
    Outside of Metro Areas 239 $24,895,000 $104,163 $1,508 5.86%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 151 $23,825,000 $157,781 $2,294 4.42%
    McMinnville, TN (FHA|USDA|VA) 68 $8,800,000 $129,412 $2,669 4.97%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 16 $4,280,000 $267,500 $3,358 3.74%
    Dayton, TN (FHA|USDA|VA) 18 $3,320,000 $184,444 $2,976 4.07%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $580,000 $290,000 $2,055 3.63%
    Crossville, TN (FHA|USDA|VA) 5 $445,000 $89,000 $1,810 5.74%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $420,000 $210,000 $3,195 2.69%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $355,000 $355,000 $1,520 3.86%
    Scottsboro, AL (FHA|USDA|VA) 4 $340,000 $85,000 $1,209 5.74%
    KNOXVILLE, TN (FHA|USDA|VA) 3 $325,000 $108,333 $2,678 2.58%
    Athens, TN (FHA|USDA|VA) 1 $275,000 $275,000 $14,297 2.75%
    CLEVELAND, TN (FHA|USDA|VA) 1 $275,000 $275,000 $1,526 4.50%
    Shelbyville, TN (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.99%
    Cookeville, TN (FHA|USDA|VA) 3 $225,000 $75,000 $1,502 6.16%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $115,000 $115,000 $2,812 4.38%
    Fort Payne, AL (FHA|USDA|VA) 1 $105,000 $105,000 $3,492 3.38%
    Newport, TN (FHA|USDA|VA) 1 $95,000 $95,000 $1,201 5.50%
    Citizens Tri-county Bank's top markets include Chattanooga, Tullahoma, Mcminnville, Nashville, and Dayton among others.

    Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Citizens Tri-County Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Citizens National Bank
    Similarity Rank: 546
    The First National Bank of Middle Tennessee
    Similarity Rank: 1071
    REDSTONE Federal Credit Union
    Similarity Rank: 1122
    SmartBank
    Similarity Rank: 1160
    F&M Bank
    Similarity Rank: 1365
    CU COMMUNITY, LLC
    Similarity Rank: 1494
    Citizens Tri-County Bank
    Similarity Rank: 1748
    A Mortgage Boutique, LLC
    Similarity Rank: 2464
    TENNESSEE VALLEY
    Similarity Rank: 2552
    Independent Bank
    Similarity Rank: 2850

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 850 $118,190,000 $139,047 $2,008 5.03%
    USDA 6 $710,000 $118,333 $3,322 3.31%
    VA 3 $685,000 $228,333 $6,294 2.96%

    For 2020, Citizens Tri-county Bank's most frequently originated type of loan was Conventional, with 850 originations. Their 2nd most popular type was USDA, with 6 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 298 $40,060,000 $134,430 $2,067 5.23%
    Cash Out Refi 293 $48,675,000 $166,126 $2,310 4.53%
    Refi 210 $28,280,000 $134,667 $1,892 4.84%
    Home Improvement 40 $1,890,000 $47,250 $994 6.72%
    Other 18 $680,000 $37,778 $1,162 7.45%

    For 2020, Citizens Tri-county Bank's most frequently cited loan purpose was Home Purchase, with 298 originations. The 2nd most popular reason was Cash Out Refi, with 293 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 247 $28,725,000 $116,296 $1,916 5.14%
    30 Year 224 $50,440,000 $225,179 $3,179 3.24%
    20 Year 127 $21,305,000 $167,756 $1,517 5.69%
    10 Year 120 $6,660,000 $55,500 $1,108 6.24%
    Other 102 $9,640,000 $94,510 $1,009 5.88%
    5 Year 20 $430,000 $21,500 $907 6.81%
    1 Year 17 $2,365,000 $139,118 $950 5.33%
    3 Year 2 $20,000 $10,000 $870 6.18%

    For 2020, Citizens Tri-county Bank's most frequently cited loan duration was 15 Year, with 247 originations. The 2nd most popular length was 30 Year, with 224 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 552 $70,920,000 $128,478
    $1k-2k 80 $14,560,000 $182,000
    $2k-3k 42 $8,420,000 $200,476
    $3k-4k 11 $3,075,000 $279,545
    $5k+ 3 $2,185,000 $728,333
    $4k-5k 2 $550,000 $275,000

    Citizens Tri-county Bank's average total fees were $3,179, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 552 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 211 $27,815,000 $131,825
    3-4% 133 $28,435,000 $213,797
    2.5-3% 130 $29,300,000 $225,385
    6-7% 100 $7,050,000 $70,500
    7-8% 88 $5,310,000 $60,341
    5-6% 80 $9,600,000 $120,000
    Over 8% 67 $3,425,000 $51,119
    <2.5% 50 $8,650,000 $173,000

    During 2020, Citizens Tri-county Bank's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 4-5%, with 211 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 414 $21,160,000 $51,111 $1,208 6.13%
    $100k-200k 250 $35,980,000 $143,920 $2,360 4.24%
    $200k-400k 157 $41,975,000 $267,357 $2,938 3.66%
    $400k-600k 32 $14,700,000 $459,375 $3,800 3.27%
    $600k-1MM 4 $3,090,000 $772,500 $75 4.63%
    $1MM+ 2 $2,680,000 $1,340,000 $10,459 4.73%

    2020 saw Citizens Tri-county Bank place emphasis on $100,000 or less loans with 414 originations, totaling $21,160,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 256 $18,740,000 $73,203 $1,627 5.58%
    $50k-75k 180 $20,360,000 $113,111 $1,750 5.34%
    $100k-150k 132 $24,830,000 $188,106 $2,632 4.24%
    $75k-100k 105 $16,385,000 $156,048 $2,435 4.55%
    $150k-250k 91 $19,195,000 $210,934 $2,367 4.67%
    $250k+ 55 $11,095,000 $201,727 $2,608 4.93%

    Citizens Tri-county Bank lent most frequently to those with incomes in the $50k or less range, with 256 originations. The second most popular income band? $50k-75k, with 180 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 234 $32,350,000 $138,248 $2,070 4.77%
    30-36% 142 $20,680,000 $145,634 $2,036 5.06%
    <20% 139 $16,075,000 $115,647 $1,722 5.25%
    50-60% 35 $3,235,000 $92,429 $1,000 5.92%
    40% 28 $4,320,000 $154,286 $3,033 5.03%
    45% 27 $4,225,000 $156,481 $2,755 4.78%
    38% 22 $2,660,000 $120,909 $2,420 4.81%
    41% 22 $2,120,000 $96,364 $1,704 5.46%
    47% 20 $2,880,000 $144,000 $2,176 5.01%
    44% 20 $2,750,000 $137,500 $1,895 5.74%
    39% 19 $3,625,000 $190,789 $2,571 4.95%
    37% 18 $2,330,000 $129,444 $1,915 4.65%
    43% 17 $3,105,000 $182,647 $2,247 4.61%
    46% 17 $2,935,000 $172,647 $2,378 5.05%
    42% 16 $2,560,000 $160,000 $2,591 4.06%
    36% 16 $2,400,000 $150,000 $2,572 4.41%
    >60% 14 $630,000 $45,000 $840 6.65%
    48% 12 $2,200,000 $183,333 $2,354 4.09%
    49% 7 $885,000 $126,429 $2,212 5.30%

    Citizens Tri-county Bank lent most frequently to those with DTI ratios of 20-30%, with 234 originations. The next most common DTI ratio? 30-36%, with 142 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 769 $101,185,000 $131,580 $2,020 5.05%
    Not provided 38 $10,020,000 $263,684 $2,670 4.35%
    Not applicable 26 $4,720,000 $181,538 $0 4.79%
    Black 16 $1,790,000 $111,875 $1,447 5.46%
    Asian 4 $980,000 $245,000 $4,175 3.68%
    Asian Indian 3 $575,000 $191,667 $1,891 4.33%
    Other Asian 1 $255,000 $255,000 $1,051 4.50%
    American Indian 1 $45,000 $45,000 $1,426 7.00%
    Native Hawaiian or Islander 1 $15,000 $15,000 $1,101 6.60%

    Approval Rates

    Total approvals of all applications
    87.02%

    Citizens Tri-county Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.23%

    Citizens Tri-county Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    175.0 1 $15,000 $15,000
    200.0 2 $50,000 $25,000
    400.0 1 $55,000 $55,000
    412.0 1 $45,000 $45,000
    NA 854 $119,420,000 $139,836

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $1,175,000 $391,667
    Multifamily:Site-Built 6 $3,290,000 $548,333
    Single Family (1-4 Units):Manufactured 157 $8,655,000 $55,127
    Single Family (1-4 Units):Site-Built 693 $106,465,000 $153,629

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 95 $6,665,000 $70,158 $1,326 5.77%
    40-60% 172 $20,520,000 $119,302 $1,714 5.12%
    60-80% 348 $56,760,000 $163,103 $2,386 4.68%
    80-100% 203 $33,325,000 $164,163 $2,196 4.94%
    Over 100% 8 $980,000 $122,500 $14,297 5.41%
    Under 20% 32 $1,230,000 $38,438 $953 6.20%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 35 12.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 13 4.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Credit monitoring or identity theft protection services 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 5 1.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 26 9.5%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 109 39.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 8 2.9%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 20 7.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 4 1.5%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 2 0.7%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 11 4.0%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 4 1.5%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Tri-County Bank 101 West Main Street Mcminnville, TN 37110 Full Service B&M $52,198
    Citizens Tri-County Bank 105 Front Street South Cowan, TN 37318 Full Service B&M $5,898
    Citizens Tri-County Bank 1100 New Smithville Hwy, Suite 700 Mcminnville, TN 37110 Full Service B&M $11,009
    Citizens Tri-County Bank 1306 Taft Highway Signal Mountain, TN 37377 Full Service B&M $40,887
    Citizens Tri-County Bank 14087 Highway 28 North Whitwell, TN 37397 Full Service B&M $41,465
    Citizens Tri-County Bank 1548 Main Street Altamont, TN 37301 Full Service B&M $62,251
    Citizens Tri-County Bank 15699 Rankin Avenue Dunlap, TN 37327 Full Service B&M $179,457
    Citizens Tri-County Bank 201 N Jackson St Tullahoma, TN 37388 Full Service B&M $93,952
    Citizens Tri-County Bank 2030 Decherd Boulevard Decherd, TN 37324 Full Service B&M $59,124
    Citizens Tri-County Bank 25709 State Route 56 Coalmont, TN 37313 Limited, Drive-thru $0
    Citizens Tri-County Bank 3468 Main St. Pikeville, TN 37367 Full Service B&M $56,073
    Citizens Tri-County Bank 36 Resource Road, Industrial Park Dunlap, TN 37327 Limited, Drive-thru $0
    Citizens Tri-County Bank 402 Cedar Avenue South Pittsburg, TN 37380 Full Service B&M $37,505
    Citizens Tri-County Bank 416 Railroad Avenue Tracy City, TN 37387 Full Service B&M $12,567
    Citizens Tri-County Bank 437 Alexian Way Signal Mountain, TN 37377 Full Service B&M $0
    Citizens Tri-County Bank 4765 Main Street Jasper, TN 37347 Full Service B&M $66,048
    Citizens Tri-County Bank 489 Spring Street Spencer, TN 38585 Full Service B&M $45,369
    Citizens Tri-County Bank 501 West Lincoln Street Tullahoma, TN 37388 Full Service B&M $1,283
    Citizens Tri-County Bank 5248 Manchester Highway Morrison, TN 37357 Full Service B&M $15,420
    Citizens Tri-County Bank 701 Kings Lane Tullahoma, TN 37388 Limited, Drive-thru $0
    Citizens Tri-County Bank 711 Main St. Palmer, TN 37365 Full Service B&M $20,440
    Citizens Tri-County Bank 80 East Main Street Monteagle, TN 37356 Full Service B&M $28,096
    Citizens Tri-County Bank 8575 Dayton Pike Soddy Daisy, TN 37379 Full Service B&M $35,684
    Citizens Tri-County Bank 900 Beersheba Highway Mc Minnville, TN 37110 Limited, Drive-thru $0
    Citizens Tri-County Bank Oak And Colyar Streets Tracy City, TN 37387 Full Service B&M $34,418
    Citizens Tri-County Bank State Highway 28 And Us Highway 127, 7312 Sr28 Dunlap, TN 37327 Limited, Drive-thru $0

    For 2020, Citizens Tri-county Bank had 26 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $40,185
    Net interest income $33,735
    Total noninterest income $8,060
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $3,890
    Trading account gains and fees $0
    Additional Noninterest Income $4,170
    Pre-tax net operating income $15,568
    Securities gains (or losses, -) $-6
    Income before extraordinary items $15,565
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $15,565
    Minority interest net income $0
    Net income $15,565
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,571

    Citizens Tri-county Bank's gross interest income from loans was $40,185,000.
    Citizens Tri-county Bank's net interest income from loans was $33,735,000.
    Citizens Tri-county Bank's fee based income from loans was $3,890,000.
    Citizens Tri-county Bank's net income from loans was $15,565,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,450
    Provision for credit losses $1,279
    Total noninterest expense $24,948
    Salaries and employee benefits $15,823
    Premises and equipment expense $3,845
    Additional noninterest expense $5,280
    Applicable income taxes $-3
    Net charge-offs $760
    Cash dividends $5,500

    Citizens Tri-county Bank's interest expense for loans was $6,450,000.
    Citizens Tri-county Bank's payroll and benefits expense were $15,823,000.
    Citizens Tri-county Bank's property, plant and equipment expenses $3,845,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 2.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 6.3%
    Other individual loans 0.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $949,641
    Deposits held in domestic offices $949,641
    Deposits by Individuals, partnerships, and corporations $818,621
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $130,960
    Deposits by Commercial banks and other depository institutions in U.S. $60
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $430,750
    Demand deposits $232,711
    Nontransaction accounts $518,891
    Money market deposit accounts (MMDAs) $60,201
    Other savings deposits (excluding MMDAs) $173,193
    Total time deposits $285,497
    Total time and savings deposits $716,930
    Noninterest-bearing deposits $233,679
    Interest-bearing deposits $715,961
    Retail deposits $876,997
    IRAs and Keogh plan accounts $55,819
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,061,996
    Cash & Balances due from depository institutions $167,501
    Interest-bearing balances $124,274
    Total securities $218,758
    Federal funds sold & reverse repurchase $0
    Net loans and leases $629,822
    Loan and leases loss allowance $9,295
    Trading account assets $0
    Bank premises and fixed assets $14,166
    Other real estate owned $1,092
    Goodwill and other intangibles $5,775
    All other assets $24,882

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,061,996
    Total Liabilities $956,566
    Total deposits $949,641
    Interest-bearing deposits $715,961
    Deposits held in domestic offices $949,641
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $6,925

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $629,822
    Loan and leases loss allowance $9,295
    Total loans and leases (domestic) $639,117
    All real estate loans $462,188
    Real estate loans in domestic offices $462,188
    Construction and development loans $124,215
    Residential 1-4 family construction $46,489
    Other construction, all land development and other land $77,726
    Loans secured by nonfarm nonresidential properties $108,052
    Nonfarm nonresidential secured by owner-occupied properties $12,648
    Commercial real estate & other non-farm, non-residential $95,404
    Multifamily residential real estate $4,102
    1-4 family residential loans $206,266
    Farmland loans $19,553
    Loans held in foreign offices $0
    Farm loans $383
    Commercial and industrial loans $53,949
    To non-U.S. addressees $0
    Loans to individuals $100,356
    Credit card loans $678
    Related Plans $0
    Consumer Auto Loans $19,160
    Other loans to individuals $80,518
    All other loans & leases $22,241
    Loans to foreign governments and official institutions $0
    Other loans $1,860
    Loans to depository institutions and acceptances of other banks $7,000
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Citizens Tri-County Bank had $629,822,000 of loans outstanding in 2020. $462,188,000 of loans were in real estate loans. $124,215,000 of loans were in development loans. $4,102,000 of loans were in multifamily mortgage loans. $206,266,000 of loans were in 1-4 family mortgage loans. $383,000 of loans were in farm loans. $678,000 of loans were in credit card loans. $19,160,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 385 $62,419 $162,127
    Nonfarm, nonresidential loans - <$100k 150 $5,934 $39,560
    Nonfarm, nonresidential loans - $100-250k 130 $15,998 $123,062
    Nonfarm, nonresidential loans - $250k-1MM 105 $40,487 $385,590
    Commercial & Industrial, US addressed loans - <$1MM 729 $9,216 $12,642
    Commercial & Industrial, US addressed loans - <$100k 654 $2,365 $3,616
    Commercial & Industrial, US addressed loans - $100-250k 41 $1,875 $45,732
    Commercial & Industrial, US addressed loans - $250k-1MM 34 $4,976 $146,353
    Farmland loans - <$1MM 166 $12,972 $78,145
    Farmland loans - <$100k 117 $4,923 $42,077
    Farmland loans - $100-250k 40 $5,769 $144,225
    Farmland loans - $250k-1MM 9 $2,280 $253,333
    Agriculture operations loans - <$1MM 22 $383 $17,409
    Agriculture operations loans - <$100k 21 $308 $14,667
    Agriculture operations loans - $100-250k 1 $75 $75,000