Bank · FDIC insured
Citizens Bank
A $1.4B bank headquartered in Elizabethton, TN, with 13 branches in Tennessee. Best rates: CDs 4.40% and savings 0.25% APY.
Citizens Bank Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#7 of 15 in Kingsport, TN-VA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank
Citizens Bank is a locally owned community bank based in Elizabethton, Tennessee, founded in November 1934 with $75,000 to fill the gap left by years without a local bank in Carter County.
Led historically by Joe LaPorte, Jr. starting in 1962 and Joe LaPorte, III starting in 1979, the bank now serves customers across Tennessee from Bristol to Lenoir City.
- Headquarters
- 300 Broad St, Elizabethton, TN 37643
- FDIC certificate
- 14851 ↗
Branches
13 branches in Tennessee
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Tennessee
13 branches
Kingsport area · 5
- State Street Branch310 E State St, Bristol, TN 37620Directions
- Volunteer Parkway Branch844 Volunteer Pkwy, Bristol, TN 37620Directions
- Colonial Heights Branch4215 Fort Henry Dr, Kingsport, TN 37663Directions
- Kingsport Branch2240 E Stone Dr, Kingsport, TN 37660Directions
- Kingsport Branch101 E Main St, Kingsport, TN 37660Directions
Johnson City area · 4
- Citizens BankMain office300 Broad St, Elizabethton, TN 37643Directions
- Bemberg Road Branch301 Bemberg Rd, Elizabethton, TN 37643Directions
- Hampton Branch702 Us 321 Scenic, Hampton, TN 37658Directions
- Peoples Street Branch3028 Peoples St, Johnson City, TN 37604Directions
Knoxville area · 4
- Knoxville Office Branch5426 Homberg Dr, Knoxville, TN 37919Directions
- Pellissippi Branch10245 Kingston Pike, Knoxville, TN 37922Directions
- La Follette Branch2025 Jacksboro Pike, La Follette, TN 37766Directions
- Medical Park Drive Branch256 Medical Park Dr, Lenoir City, TN 37772Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.65% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.14% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.94% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $96 | $88 | — |
- CapitalLeverage ratio12.65%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.14%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.94%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$96Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.