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 and Cash Out 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 18 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Tri-county Bank has an above 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

    787

    Origination Dollar Volume (All Markets)

    $116,935,000

    Employee count

    279

    Awards

    Citizens Tri-County Bank 30 Year Conventional Loans bronze Citizens Tri-County Bank 30 Year Conventional Loans silver Citizens Tri-County Bank 30 Year Conventional Loans bronze
    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) 329 $53,385,000 $162,264 $2,166 4.57%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 159 $24,775,000 $155,818 $2,318 4.50%
    Outside of Metro Areas 172 $16,770,000 $97,500 $1,562 5.52%
    McMinnville, TN (FHA|USDA|VA) 64 $8,460,000 $132,188 $2,458 4.69%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 14 $3,600,000 $257,143 $3,533 3.60%
    Dayton, TN (FHA|USDA|VA) 15 $2,415,000 $161,000 $2,270 4.04%
    KNOXVILLE, TN (FHA|USDA|VA) 6 $1,810,000 $301,667 $2,541 4.16%
    Shelbyville, TN (FHA|USDA|VA) 6 $1,660,000 $276,667 $3,601 4.18%
    Scottsboro, AL (FHA|USDA|VA) 5 $725,000 $145,000 $2,351 5.61%
    Crossville, TN (FHA|USDA|VA) 4 $610,000 $152,500 $2,369 4.36%
    RICHMOND, VA (FHA|USDA|VA) 2 $610,000 $305,000 $2,565 3.56%
    CLEVELAND, TN (FHA|USDA|VA) 3 $585,000 $195,000 $2,770 3.92%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $505,000 $505,000 $2,556 4.50%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $340,000 $170,000 $3,012 2.81%
    Cookeville, TN (FHA|USDA|VA) 2 $200,000 $100,000 $876 4.75%
    Lewisburg, TN (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.99%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $2,282 3.00%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,447 3.25%
    Citizens Tri-county Bank's top markets include Chattanooga, Tullahoma, Mcminnville, Nashville, and Dayton among others.

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

    Legacy Home Loans, LLC
    Similarity Rank: 459
    First Citizens National Bank
    Similarity Rank: 588
    ASCEND FEDERAL CREDIT UNION
    Similarity Rank: 1147
    Citizens Tri-County Bank
    Similarity Rank: 1188
    REDSTONE Federal Credit Union
    Similarity Rank: 1517
    F&M Bank
    Similarity Rank: 1922
    TENNESSEE VALLEY
    Similarity Rank: 2162
    The First National Bank of Middle Tennessee
    Similarity Rank: 2703
    CU COMMUNITY, LLC
    Similarity Rank: 3040
    SmartBank
    Similarity Rank: 3182

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 779 $115,265,000 $147,965 $2,107 4.75%
    USDA 5 $865,000 $173,000 $5,129 2.88%
    VA 3 $805,000 $268,333 $2,988 2.92%

    For 2021, Citizens Tri-county Bank's most frequently originated type of loan was Conventional, with 779 originations. Their 2nd most popular type was USDA, with 5 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 349 $60,535,000 $173,453 $2,576 4.60%
    Cash Out Refi 227 $32,845,000 $144,692 $2,085 4.51%
    Refi 147 $17,575,000 $119,558 $1,507 4.90%
    Home Improvement 44 $3,500,000 $79,545 $1,192 5.75%
    Other 20 $2,480,000 $124,000 $1,713 6.26%

    For 2021, Citizens Tri-county Bank's most frequently cited loan purpose was Home Purchase, with 349 originations. The 2nd most popular reason was Cash Out Refi, with 227 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 217 $51,765,000 $238,548 $3,397 3.11%
    15 Year 200 $23,010,000 $115,050 $1,691 5.13%
    20 Year 115 $19,295,000 $167,783 $1,599 5.18%
    Other 112 $12,140,000 $108,393 $1,036 5.54%
    10 Year 90 $5,190,000 $57,667 $1,181 5.77%
    1 Year 33 $4,815,000 $145,909 $1,446 4.96%
    5 Year 17 $635,000 $37,353 $1,004 6.15%
    3 Year 3 $85,000 $28,333 $664 7.13%

    For 2021, Citizens Tri-county Bank's most frequently cited loan duration was 30 Year, with 217 originations. The 2nd most popular length was 15 Year, with 200 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 470 $63,550,000 $135,213
    $1k-2k 99 $20,065,000 $202,677
    $2k-3k 24 $5,470,000 $227,917
    $3k-4k 10 $2,500,000 $250,000
    $4k-5k 3 $925,000 $308,333
    $5k+ 3 $1,435,000 $478,333

    Citizens Tri-county Bank's average total fees were $3,397, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 470 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 263 $32,075,000 $121,958
    3-4% 128 $34,350,000 $268,359
    2.5-3% 117 $27,125,000 $231,838
    6-7% 82 $6,010,000 $73,293
    5-6% 66 $6,210,000 $94,091
    7-8% 51 $3,025,000 $59,314
    Over 8% 43 $2,645,000 $61,512
    <2.5% 37 $5,495,000 $148,514

    During 2021, Citizens Tri-county Bank's average interest rate for loans was 3.11%, while their most frequently originated rate bucket for loans was 4-5%, with 263 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 358 $19,350,000 $54,050 $1,286 5.68%
    $100k-200k 239 $34,265,000 $143,368 $2,324 4.25%
    $200k-400k 142 $38,650,000 $272,183 $3,112 3.53%
    $400k-600k 43 $20,265,000 $471,279 $3,767 3.60%
    $600k-1MM 4 $2,840,000 $710,000 $4,746 3.97%
    $1MM+ 1 $1,565,000 $1,565,000 $0 3.50%

    2021 saw Citizens Tri-county Bank place emphasis on $100,000 or less loans with 358 originations, totaling $19,350,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 222 $16,010,000 $72,117 $1,671 5.41%
    $50k-75k 181 $23,895,000 $132,017 $2,048 4.72%
    $100k-150k 114 $23,210,000 $203,596 $2,792 4.07%
    $75k-100k 114 $19,390,000 $170,088 $2,378 4.50%
    $150k-250k 64 $14,020,000 $219,063 $2,503 4.27%
    $250k+ 49 $11,145,000 $227,449 $2,618 4.66%

    Citizens Tri-county Bank lent most frequently to those with incomes in the $50k or less range, with 222 originations. The second most popular income band? $50k-75k, with 181 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 201 $25,955,000 $129,129 $2,019 4.79%
    30-36% 138 $22,670,000 $164,275 $2,308 4.64%
    <20% 133 $15,685,000 $117,932 $1,792 4.92%
    50-60% 31 $3,715,000 $119,839 $1,036 5.69%
    39% 24 $3,800,000 $158,333 $2,501 4.50%
    37% 24 $2,590,000 $107,917 $2,352 4.47%
    42% 23 $3,765,000 $163,696 $2,203 4.81%
    >60% 22 $2,730,000 $124,091 $1,609 5.64%
    36% 21 $2,885,000 $137,381 $1,931 4.61%
    41% 21 $4,155,000 $197,857 $3,003 5.16%
    40% 18 $3,530,000 $196,111 $2,978 4.40%
    44% 18 $2,280,000 $126,667 $1,673 4.78%
    38% 16 $3,340,000 $208,750 $2,938 3.46%
    46% 11 $1,795,000 $163,182 $2,760 3.98%
    45% 11 $2,345,000 $213,182 $2,617 4.12%
    49% 10 $1,590,000 $159,000 $2,123 5.27%
    43% 10 $2,700,000 $270,000 $3,251 3.28%
    47% 9 $1,355,000 $150,556 $3,354 3.66%
    48% 6 $1,310,000 $218,333 $2,560 4.80%

    Citizens Tri-county Bank lent most frequently to those with DTI ratios of 20-30%, with 201 originations. The next most common DTI ratio? 30-36%, with 138 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 680 $98,560,000 $144,941 $2,118 4.75%
    Not provided 44 $7,220,000 $164,091 $2,176 4.44%
    Not applicable 34 $6,370,000 $187,353 $0 4.56%
    Black 17 $1,895,000 $111,471 $1,613 5.40%
    American Indian 5 $1,665,000 $333,000 $4,427 3.25%
    Asian Indian 3 $785,000 $261,667 $3,139 4.21%
    Asian 3 $395,000 $131,667 $1,437 3.65%
    Other Pacific Islander 1 $45,000 $45,000 $0 10.05%

    Approval Rates

    Total approvals of all applications
    90.29%

    Citizens Tri-county Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.82%

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

    Points and Fees

    Points Originations Total Value Average Loan
    150.0 2 $20,000 $10,000
    250.0 3 $195,000 $65,000
    400.0 6 $200,000 $33,333
    NA 776 $116,520,000 $150,155

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    787 $116,935,000 $148,583

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 115 $9,695,000 $84,304 $1,614 4.97%
    40-60% 182 $23,420,000 $128,681 $1,955 4.83%
    60-80% 316 $56,080,000 $177,468 $2,242 4.63%
    80-100% 141 $25,915,000 $183,794 $2,822 4.46%
    Over 100% 3 $195,000 $65,000 $1,501 7.00%
    Under 20% 30 $1,630,000 $54,333 $1,237 5.33%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 54 15.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 22 6.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 6 1.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 116 33.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 15 4.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 19 5.5%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Incorrect information on your report 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 5 1.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Incorrect information on your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 13 3.7%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 3 0.9%

    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 $58,915
    Citizens Tri-County Bank 105 Front Street South Cowan, TN 37318 Full Service B&M $7,429
    Citizens Tri-County Bank 1100 New Smithville Hwy, Suite 700 Mcminnville, TN 37110 Full Service B&M $14,638
    Citizens Tri-County Bank 1306 Taft Highway Signal Mountain, TN 37377 Full Service B&M $52,229
    Citizens Tri-County Bank 14087 Highway 28 North Whitwell, TN 37397 Full Service B&M $46,438
    Citizens Tri-County Bank 1548 Main Street Altamont, TN 37301 Full Service B&M $71,699
    Citizens Tri-County Bank 15699 Rankin Avenue Dunlap, TN 37327 Full Service B&M $204,846
    Citizens Tri-County Bank 201 N Jackson St Tullahoma, TN 37388 Full Service B&M $98,023
    Citizens Tri-County Bank 2030 Decherd Boulevard Decherd, TN 37324 Full Service B&M $69,042
    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 $60,929
    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 $43,102
    Citizens Tri-County Bank 416 Railroad Avenue Tracy City, TN 37387 Full Service B&M $14,348
    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 $74,465
    Citizens Tri-County Bank 489 Spring Street Spencer, TN 38585 Full Service B&M $52,269
    Citizens Tri-County Bank 5248 Manchester Highway Morrison, TN 37357 Full Service B&M $17,093
    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 $24,147
    Citizens Tri-County Bank 80 East Main Street Monteagle, TN 37356 Full Service B&M $33,197
    Citizens Tri-County Bank 8575 Dayton Pike Soddy Daisy, TN 37379 Full Service B&M $43,409
    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 $37,569
    Citizens Tri-County Bank State Highway 28 And Us Highway 127, 7312 Sr28 Dunlap, TN 37327 Limited, Drive-thru $0

    For 2021, Citizens Tri-county Bank had 25 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $43,688
    Net interest income $39,207
    Total noninterest income $10,000
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4,056
    Trading account gains and fees $0
    Additional Noninterest Income $5,944
    Pre-tax net operating income $21,451
    Securities gains (or losses, -) $9
    Income before extraordinary items $21,210
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $21,210
    Minority interest net income $0
    Net income $21,210
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $21,201

    Citizens Tri-county Bank's gross interest income from loans was $43,688,000.
    Citizens Tri-county Bank's net interest income from loans was $39,207,000.
    Citizens Tri-county Bank's fee based income from loans was $4,056,000.
    Citizens Tri-county Bank's net income from loans was $21,210,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,481
    Provision for credit losses $1,043
    Total noninterest expense $26,713
    Salaries and employee benefits $17,122
    Premises and equipment expense $3,771
    Additional noninterest expense $5,820
    Applicable income taxes $250
    Net charge-offs $-309
    Cash dividends $9,000

    Citizens Tri-county Bank's interest expense for loans was $4,481,000.
    Citizens Tri-county Bank's payroll and benefits expense were $17,122,000.
    Citizens Tri-county Bank's property, plant and equipment expenses $3,771,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    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 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 1.3%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,074,057
    Deposits held in domestic offices $1,074,057
    Deposits by Individuals, partnerships, and corporations $931,457
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $141,613
    Deposits by Commercial banks and other depository institutions in U.S. $986
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $509,790
    Demand deposits $280,270
    Nontransaction accounts $564,267
    Money market deposit accounts (MMDAs) $84,343
    Other savings deposits (excluding MMDAs) $215,252
    Total time deposits $264,672
    Total time and savings deposits $793,787
    Noninterest-bearing deposits $281,139
    Interest-bearing deposits $792,918
    Retail deposits $1,015,892
    IRAs and Keogh plan accounts $56,122
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,195,244
    Cash & Balances due from depository institutions $174,512
    Interest-bearing balances $143,361
    Total securities $297,688
    Federal funds sold & reverse repurchase $0
    Net loans and leases $680,720
    Loan and leases loss allowance $10,647
    Trading account assets $0
    Bank premises and fixed assets $12,592
    Other real estate owned $140
    Goodwill and other intangibles $5,610
    All other assets $23,982

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,195,244
    Total Liabilities $1,081,467
    Total deposits $1,074,057
    Interest-bearing deposits $792,918
    Deposits held in domestic offices $1,074,057
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $7,410

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $680,720
    Loan and leases loss allowance $10,647
    Total loans and leases (domestic) $691,367
    All real estate loans $512,833
    Real estate loans in domestic offices $512,833
    Construction and development loans $162,412
    Residential 1-4 family construction $61,428
    Other construction, all land development and other land $100,984
    Loans secured by nonfarm nonresidential properties $131,509
    Nonfarm nonresidential secured by owner-occupied properties $48,966
    Commercial real estate & other non-farm, non-residential $82,543
    Multifamily residential real estate $3,937
    1-4 family residential loans $190,688
    Farmland loans $24,287
    Loans held in foreign offices $0
    Farm loans $452
    Commercial and industrial loans $50,128
    To non-U.S. addressees $0
    Loans to individuals $98,540
    Credit card loans $755
    Related Plans $0
    Consumer Auto Loans $20,141
    Other loans to individuals $77,644
    All other loans & leases $29,414
    Loans to foreign governments and official institutions $0
    Other loans $4,298
    Loans to depository institutions and acceptances of other banks $6,000
    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 $680,720,000 of loans outstanding in 2021. $512,833,000 of loans were in real estate loans. $162,412,000 of loans were in development loans. $3,937,000 of loans were in multifamily mortgage loans. $190,688,000 of loans were in 1-4 family mortgage loans. $452,000 of loans were in farm loans. $755,000 of loans were in credit card loans. $20,141,000 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 350 $69,202 $197,720
    Nonfarm, nonresidential loans - <$100k 124 $4,992 $40,258
    Nonfarm, nonresidential loans - $100-250k 112 $14,473 $129,223
    Nonfarm, nonresidential loans - $250k-1MM 114 $49,737 $436,289
    Commercial & Industrial, US addressed loans - <$1MM 131 $9,798 $74,794
    Commercial & Industrial, US addressed loans - <$100k 90 $2,674 $29,711
    Commercial & Industrial, US addressed loans - $100-250k 26 $2,568 $98,769
    Commercial & Industrial, US addressed loans - $250k-1MM 15 $4,556 $303,733
    Farmland loans - <$1MM 173 $17,659 $102,075
    Farmland loans - <$100k 99 $4,082 $41,232
    Farmland loans - $100-250k 52 $7,207 $138,596
    Farmland loans - $250k-1MM 22 $6,370 $289,545
    Agriculture operations loans - <$1MM 19 $452 $23,789
    Agriculture operations loans - <$100k 18 $351 $19,500
    Agriculture operations loans - $100-250k 1 $101 $101,000