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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Tennessee, the state note

Citizens National Bank

Sevierville, Tennessee · $1.96B in assets · beside the 11 other Tennessee banks between $1B and $3B

The filing

58.6%
CRE / loans
12th of 12
27.5x
Coverage of noncurrent
2nd of 12
330.5%
CRE / capital
11th of 12

Citizens National Bank is the fourth largest of the 12 Tennessee banks nearest its size between $1B and $3B, with $1.96B in assets at 30 June 2026. Loans are 76.4% of deposits, 4th of 12 against a median of 80.1%, and equity is 9.8% of assets, 9th of 12. Loans grew +4.3% in the year, 7th of 12, and deposits grew 2.4%; the cohort's median loan growth is +5.0%.

Noncurrent loans are 0.04% of the book, 3rd of 12 against a median of 0.40%; 0.08% is 30 to 89 days past due, and the allowance covers them 27.5 times. Commercial real estate is 58.6% of loans, the highest in the cohort against a median of 37.7%, and 331% of capital, above the 300% screen, with construction at 72% against the 100% screen.

Return on assets is 2.00%, 4th of 12 against a median of 1.78%, on an efficiency ratio of 42.7%, 3rd of 12. Five years ago it was 1.95%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 16.2% of loans).

Commercial real estate, share of loansTN banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 37.7% AB Apex Bank 13.5% IB Independent Bank 16.7% OB One Bank of Tennessee 26.2% FN First National Bank of Pulaski 32.3% WB Wellworth Bank 32.6% SB Security Bank & Trust Co. 36.0% CT Citizens Tri-county Bank 39.4% FF First Farmers & Merchants Bank 44.1% CB Commercial Bank 44.3% BB Builtwell Bank 46.2% Bo Bank of Tennessee 47.0% CN Citizens National Bank 58.6%
Loans, year over yearTN banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +5.0% BB Builtwell Bank +22.8% SB Security Bank & Trust Co. +19.3% Bo Bank of Tennessee +16.1% CT Citizens Tri-county Bank +9.8% CB Commercial Bank +8.4% WB Wellworth Bank +5.7% CN Citizens National Bank +4.3% IB Independent Bank +3.6% AB Apex Bank +3.4% FN First National Bank of Pulaski +3.4% FF First Farmers & Merchants Bank +3.3% OB One Bank of Tennessee +1.6%

SBA 7(a), FY2008 to FY2026

Citizens National Bank is the 70th largest 7(a) lender into Tennessee of 374, with $16M across 13 loans, 0.3% of everything approved in the state (Pinnacle Bank leads with $494M). 6 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Tennessee, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Anderson, TN$5M2nd of 438.7%quiet FY2011
Sevier, TN$3M14th of 522.7%quiet FY2015
Knox, TN$3M47th of 1240.6%quiet FY2011
Cocke, TN$2M2nd of 1216.9%quiet FY2010
Blount, TN$2M11th of 532.1%quiet FY2013
Jefferson, TN$1M8th of 274.2%quiet FY2013
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services5$10M62.4%0.01%576th of 2,596
Manufacturing2$3M18.6%0.01%923rd of 2,246
Arts, entertainment & recreation1$1M7.7%0.01%744th of 1,656
Health care & social assistance2$960K6.1%0.00%1193rd of 2,172
Retail trade1$520K3.3%0.00%1857th of 2,589
7(a) lenders into Tennessee, share of approvals since FY2008374 lenders on record; the ten largest and Citizens National Bank
PB Pinnacle Bank 8.8% $494M · 516 loans LO Live Oak Banking Company 8.4% $469M · 352 loans UB U.S. Bank, National Association 4.6% $260M · 1,383 loans TH The Huntington National Bank 3.9% $220M · 528 loans RB Regions Bank 3.0% $167M · 232 loans UC United Community Bank 3.0% $166M · 224 loans TB Truist Bank 2.9% $165M · 383 loans SB Simmons Bank 2.2% $126M · 257 loans FH First Horizon Bank 2.1% $116M · 106 loans CB Celtic Bank Corporation 2.0% $109M · 243 loans CN Citizens National Bank 0.3% $16M · 13 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Citizens National BankRankCohort median
Total CRE against capital, the 300% screen331%11th of 12226%
Construction against capital, the 100% screen72%7th of 1272%
Construction and land development, share of loans12.8%8th of 1211.1%
Non-owner-occupied nonfarm nonresidential, share of loans41.3%12th of 1217.7%
Total CRE, the guidance definition, share of loans58.6%12th of 1237.7%
CRE growth over 36 months, the third prong+21.7%6th of 12+25.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Commercial Bank$2.36B1.9%42.4%0.35%-0.01%1.0%101.2%11.1%
Builtwell Bank$2.28B2.1%47.6%0.57%-0.05%1.5%77.8%12.0%
Bank of Tennessee$2.25B1.8%56.7%0.45%0.01%0.9%100.8%8.8%
Citizens National Bank$1.96B2.0%42.7%0.04%0.00%1.2%76.4%9.8%
Independent Bank$1.85B1.3%60.7%0.85%0.36%1.1%82.4%10.5%
Wellworth Bank$1.84B1.3%57.5%1.39%0.04%1.1%82.4%9.8%
First Farmers & Merchants Bank$1.76B1.2%61.7%0.12%0.00%0.8%66.3%10.1%
Security Bank & Trust Co.$1.70B1.6%46.8%0.02%0.01%0.3%84.0%10.8%
One Bank of Tennessee$1.67B2.2%49.3%0.01%0.02%0.7%74.0%8.8%
Citizens Tri-county Bank$1.64B1.8%54.5%0.75%0.05%1.6%72.7%9.1%
First National Bank of Pulaski$1.50B1.4%53.6%0.24%0.01%1.3%77.3%10.0%
Apex Bank$1.46B2.1%40.2%2.49%0.03%1.0%105.6%15.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Citizens National BankCohort median
20212026Change20212026Change
Loans$965M$1.33B+38%$782M$1.24B+58%
Deposits$1.28B$1.74B+36%$1.10B$1.55B+41%
NPA / loans0.03%0.04%+0.02 pts0.35%0.40%+0.04 pts
Efficiency48.5%42.7%-5.8 pts56.9%51.4%-5.5 pts
ROA1.95%2.00%+0.05 pts1.36%1.78%+0.42 pts

This read was prepared for Citizens National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Citizens National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TN banks $1B to $3B
Institution www.cnbtn.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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