This institution is no longer active

Operations ceased on February 1, 2026. CRA examination history below reflects the period it was active.

FIRST CITIZENS NATIONAL BANK

DYERSBURG, TN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1889FDIC #4,972

Satisfactory Same

Current rating · Exam: August 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

FIRST CITIZENS NATIONAL BANK holds a Satisfactory CRA rating (2024).

Institution Profile

FDIC BankFind

Address

1 First Citizens Pl, DYERSBURG, TN

County

Dyer County

Established

January 1, 1889

Total Assets

$2.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 19, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Aug 2028(based on asset size)

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$2.2B

1-Year Change

-1

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	960	67.71%	13.85%
2022	985	69.24%	9.24%
2021	1,566	74.52%	7.34%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Aug 2024	Satisfactory	Large Bank
May 2021	Satisfactory	Large Bank
Jun 2018	Satisfactory	Large Bank

7 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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