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Citizens Tri-County Bank

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Citizens Tri-County Bank Rates & Review August 2026

Item: Citizens Tri-County Bank
Rating: 5
Author: Angela J. King

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Citizens Tri-County Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Citizens Tri-County Bank, and you can see how they compare in the Citizens Tri-County Bank rate tables below. MonitorBankRates evaluates the financial stability of Citizens Tri-County Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.84%. Database rates last updated and verified on 08/30/2026.

Citizens Tri-County Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Tri-County Bank? Share your experience about Citizens Tri-County Bank by leaving a review below, or read customer reviews before you decide to use Citizens Tri-County Bank.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.84%

Excellent Higher than avg

Citizens Tri-County Bank

15699 Rankin Ave
Dunlap, TN 37327

https://www.ctcbonline.com

Current Rate Availability

We're not currently displaying rates for Citizens Tri-County Bank, but our database is updated constantly — check back soon for the latest offers.

Are you with Citizens Tri-County Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Tri-County Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens Tri-County Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens Tri-County Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Tri-County Bank

Bank Holding Company SEQUATCHIE VALLEY BANCSHARES

Address 15699 Rankin Ave, Dunlap, TN 37327 · Sequatchie

Website https://www.ctcbonline.com

FDIC Certificate # 20818

Established 10/02/1972

FDIC Insurance Date 10/02/1972

Domestic Offices 24

Total Branches 24

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.84%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1783%

Return on Equity (ROE) 15.6300%

Non-Performing Loans (NPL) 0.46%

Total Assets $1,594,707,000

Total Deposits $1,446,383,000

Equity Capital $134,093,000

Net Income $28,566,000

Headquarters Dunlap

Total Branches and Offices 24

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

Angela J. King

★★★★★

March 18, 2024

Friendly, go out of there way to help. Very close to home which I like. They are out standing Bank. Thankyou

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About Citizens Tri-County Bank

How many branches does Citizens Tri-County Bank operate?

Citizens Tri-County Bank currently maintains approximately 24 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens Tri-County Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Tri-County Bank provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Tri-County Bank offer online and mobile banking?

Most modern institutions like Citizens Tri-County Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ctcbonline.com.