Citizens Community Bank is a bank based in Winchester, Tennessee, established in 1992, with $356 million in total assets across 4 branches. By Trust Grade it ranks 20th of 109 banks we track in Tennessee. Its capital ratio of 12.4% is stronger than 76% of similarly sized banks, versus a Tennessee median of 9.8%. It was profitable over the most recent period, with a 1.73% return on assets. No consumer complaints against Citizens Community Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Citizens Community Bank compares to Tennessee peers
How we graded Citizens Community Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.4% capital ratio)
- Strongly profitable (ROA 1.73%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Citizens Community Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 2176 Decherd Blvd, Decherd, TN 37324
- 517 Main St, Huntland, TN 37345
- 1418 Dinah Shore Blvd, Winchester, TN 37398
- 1961 Winchester Road Ne, Suite B, Huntsville, AL 35811
Are deposits at Citizens Community Bank insured?
Yes. Citizens Community Bank is an FDIC-insured bank (FDIC certificate #33739). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Citizens Community Bank: frequently asked questions
Is Citizens Community Bank a good bank?
Citizens Community Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.4% capital ratio); Strongly profitable (ROA 1.73%).
Is Citizens Community Bank FDIC-insured?
Yes. Citizens Community Bank is a FDIC-insured bank (FDIC certificate #33739). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Citizens Community Bank?
Citizens Community Bank holds $356 million in total assets, ranking 20th of 109 banks we track in Tennessee. It operates 4 branches.
Does Citizens Community Bank have CFPB complaints?
No CFPB complaints against Citizens Community Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
