First Citizens National Bank

Name

First Citizens National Bank

Legal name

First Citizens National Bank

Website

https://firstcnb.com

Company type

Private

Founded year

1889

Operating status

Acquired

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking
• Retail banking services
• Commercial lending
• Trust wealth management
• Treasury management

Headquarters

HQ city

Dyersburg

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Net Interest Income: Traditional banking revenue from interest rate spread between loans and deposits
2. Service Charges and Fees: Monthly service fees, overdraft fees ($35), ATM fees, and other account-related charges
3. Mortgage Banking: Mortgage origination fees and servicing revenue through home purchase and refinancing products
4. Trust and Wealth Management: Trust services including estate planning, investment management, living trusts, charitable trusts, and special needs trusts
5. Treasury Management Services: ACH services, merchant card services, wire services, fraud detection, and payroll services for business customers
6. Safe Deposit Box Insurance: Partnership with Safe Deposit Box Insurance Coverage LLC offering optional insurance for safe deposit box contents

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels5 records

Core offering

First Citizens National Bank provides community-focused personal and business banking, including checking and savings accounts, consumer and commercial lending, mortgages, trust and wealth management, treasury management services, and digital banking across Tennessee. Operating as a division of Park National Bank following the February 2026 merger, the bank delivers these services through 100+ branches across five states, complemented by mobile, online, and telephone banking channels.

Product overview

First Citizens National Bank operates as a division of Park National Bank following the February 2026 merger completion. The bank offers a comprehensive community banking platform organized across five main product lines: Personal Banking (checking accounts including Simply Good Checking, eSolutions Plus, Dogwood, Wall Street, and Easy Access; savings products including Regular Savings, First Time Savings, CDs, IRAs, HSAs, and ESAs; and lending products including Home Equity Lines of Credit, Personal Loans, and mortgage services for purchase and refinancing); Trust & Wealth Management (trust consultation, estate planning, investment management, living trusts, testamentary trusts, charitable trusts, and special needs trusts); Digital Banking (Mobile Banking app, Online Banking & Bill Pay, eStatements, Zelle peer-to-peer payments, SecurLOCK Equip card control, Mobile Wallet support for Apple Pay/Google Pay/Samsung Pay, and Telephone & Text Banking); Business Banking (business checking accounts, commercial lending including Ag Lending, Commercial Real Estate, Construction, Equipment Financing, SBA/USDA loans, and treasury services including ACH, payroll, merchant card, fraud detection, and wire services); and Retirement & Benefits (401(k), Defined Benefit Plans, ESOP, SIMPLE, and SEP plans). The bank's Unbelievably Good service philosophy emphasizes community-focused relationship banking across Tennessee, Ohio, Kentucky, North Carolina, and South Carolina.

Differentiator

Problem solved

Functional benefit

Products and services

• Simply Good Checking Primary personal checking account with $100 minimum opening balance and $12 monthly service fee (waivable with $500 average balance OR direct deposit of $100+ plus eStatements OR 15+ POS transactions); includes free Mastercard debit card, free online and mobile banking, and free notary services for account holders age 62+. Designed for everyday consumer banking customers.
• eSolutions Plus Checking Enhanced personal checking account oriented toward electronic banking solutions and digital-first consumers.
• Wall Street Checking Premium personal checking account product targeted at consumers seeking higher-tier banking features.
• Dogwood Checking Specialty personal checking account offered as a distinct tier within the consumer deposit lineup.
• Easy Access Checking Basic personal checking account with accessible features and low requirements for everyday consumer use.
• Regular Savings Standard personal savings account for general household savings needs.
• First Time Savings Savings account designed for first-time savers with educational components to teach kids to save.
• Certificates of Deposit (CDs) Time deposit accounts with fixed terms and competitive rates for consumer savers.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts including traditional and Roth IRA options.
• Health Savings Accounts (HSAs) Tax-advantaged accounts for qualified medical expenses, paired with high-deductible health plans.
• Educational Savings Accounts (ESAs) Tax-advantaged education savings accounts for K-12 and higher education expenses.
• Home Equity Lines of Credit Revolving credit lines secured by home equity, allowing flexible borrowing against property value.
• Personal Loans Unsecured personal loans for personal use including vehicle financing and debt consolidation.
• Cash Please Short-term loan product providing up to $1,000 for immediate cash needs.
• Home Purchase Mortgages Mortgage lending for home purchases with various term and product options, originated by FirstCNB mortgage lenders across Tennessee markets.
• Home Refinancing Mortgage refinancing options to replace existing home loans with potentially better terms.
• Trust Consultation and Planning Professional guidance for establishing and managing trust accounts tailored to individual needs of high-net-worth clients.
• Estate Planning and Settlement Services for planning asset distribution and administering estates upon death.
• Investment and Retirement Management Wealth management and investment advisory services for retirement planning of high-net-worth clients.
• Living Trusts Revocable trusts established during lifetime for asset management and probate avoidance.
• Charitable Trusts Trust structures enabling charitable giving with potential tax benefits.
• Special Needs Trusts Trusts designed to provide financial support for disabled beneficiaries while preserving government benefits eligibility.
• Testamentary Trusts Trusts created through will provisions, taking effect upon death of the grantor.
• Mobile Banking App Mobile banking application for iOS and Android enabling account access, check deposits, bill payments, Zelle transfers, and Face/Fingerprint login.
• Online Banking and Bill Pay Full-featured online banking with bill payment, fund transfers, eStatements, and up to 18 months of transaction history.
• Zelle P2P Payments Peer-to-peer payment service enabling money transfers to friends and family via email or mobile phone number, typically within minutes.
• SecurLOCK Equip Debit card fraud protection app enabling card on/off control, transaction spend limits, geographic restrictions, merchant location settings, and real-time alerts.
• Mobile Wallet Support Support for mobile contactless payments via Apple Pay, Google Pay, and Samsung Pay with Mastercard Zero Liability protection.
• Telephone and Text Banking 24/7 telephone banking and SMS text banking services for balance inquiries, transactions, and account management without internet access.
• Debit Cards Mastercard debit cards with $3,000 daily transaction limit and $1,000 ATM withdrawal limit, worldwide acceptance, and instant replacement for lost or stolen cards.
• Safe Deposit Boxes Secure storage for valuables and important documents with optional insurance coverage ranging from $5,000 to $500,000.
• Business Checking Commercial checking accounts designed for business operational needs.
• Business Interest Checking Business checking with interest-earning feature for eligible commercial accounts.
• Account Analysis Checking Business checking with analysis services for commercial customers with higher transaction volumes.
• Agricultural Lending Agricultural lending products for farm operations, equipment, and land purchases.
• Commercial Real Estate Lending Financing for commercial property acquisition, development, and refinancing.
• Construction and Facility Lending Construction loans and facility financing for business expansion and development projects.
• Equipment Financing Financing solutions for business equipment acquisition and replacement.
• Operating Loans and Lines of Credit Revolving and term credit facilities for business operating capital needs.
• Residential Development and Construction Lending Financing for residential development and builder construction projects.
• SBA and USDA Government-Backed Loans Small Business Administration and USDA government-backed loan programs for qualifying small businesses and agricultural operations.
• ACH Services Automated Clearing House services for batch payment processing and direct deposit for business customers.
• Merchant Card Services Payment processing services for business acceptance of card transactions.
• Wire Services Domestic and international wire transfer services for business customers.
• Fraud Detection Services Fraud monitoring and detection services for business accounts.
• Business Payroll Services Payroll processing services for business customers.
• Business Debit Card Debit card services for business accounts with appropriate transaction limits.
• 401(k) Plans Employer-sponsored retirement savings plans with tax-deferred contributions for business customers.
• Defined Benefit Plans Pension plans providing guaranteed retirement benefits based on salary and tenure for business clients.
• Employee Stock Option Plan (ESOP) Employee ownership plan allowing workers to acquire company stock for business clients.
• Insurance Services Business and personal insurance products offered through White and Associates partnership.

Quantifiable outcome

• Combined entity with $12.6 billion in pro forma total assets
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Park National BankcoreStrategic or Co-development Partner · 1 February 2026Merger completed February 1, 2026 through all-stock transaction. First Citizens National Bank merged into Park National Bank and operates as a division. Combined entity has $12.6 billion in assets, $10.5 billion in deposits, and $9.6 billion in loans with 100+ branches across 5 states.
• Early Warning Services, LLC (Zelle)coreTechnology or IntegrationProvides Zelle peer-to-peer payment network integration within mobile and online banking. Enables instant money transfers between bank accounts using email or phone number.
• White and AssociatesminorImplementation/ SI/ Consulting PartnerInsurance services partner providing insurance products for business customers through referral arrangement.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Park National Bank: Direct acquirer and current parent operating entity. Park National Bank is the Ohio-based community bank holding company that merged FirstCNB into its franchise in February 2026, making it the most directly comparable peer by virtue of combined operations.
• Pinnacle Financial Partners: Nashville-based commercial-focused community bank with similar relationship-banking model and Tennessee concentration. Comparable in scale and product mix to FirstCNB prior to merger.
• Wilson Bank & Trust: Tennessee community bank headquartered in Lebanon, TN serving Middle Tennessee markets. Closely comparable in size, community banking model, and product mix to FirstCNB.

Broad incumbents

• First Horizon National Corporation: Memphis-headquartered regional bank with deep Tennessee presence across commercial, retail, and wealth segments. Direct competitor for Tennessee deposit and commercial lending customers, though materially larger scale.
• Regions Financial Corporation: Birmingham-based regional bank with extensive Tennessee branch network. Competes directly with FirstCNB in retail and small business banking across Tennessee markets.
• Truist Financial Corporation: Charlotte-based super-regional bank with significant Tennessee footprint post BB&T-SunTrust merger. Competes for similar consumer and business banking customers across Tennessee.
• Cadence Bank: Houston-based regional bank formed through BancorpSouth and Commerce Bancshares combination with Tennessee presence. Competes for similar middle-market and small business banking relationships.

Regional players

• Simmons Bank: Arkansas-based regional bank with growing Tennessee presence, particularly in West Tennessee and Memphis. Competes for similar ag lending and community banking customers.
• BancorpSouth Bank: Mississippi-based community bank (now part of Cadence Bank) with overlapping Tennessee footprint in West Tennessee and Memphis metro. Comparable commercial and ag lending focus.

Emerging players

• SmartFinancial: Tennessee-based community bank holding company (SmartFinancial Inc.) operating through SmartBank with footprint across Tennessee, Alabama, and Florida. Comparable community banking model targeting similar SMB and consumer segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/firstcnb
• YouTubeyoutu.be/ASnbwG2PVxA
• Facebookfacebook.com/FirstCNB
• LinkedInlinkedin.com/company/10876883
• Instagraminstagram.com/firstcnb

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Citizens National Bank